davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (TX)

I have a Health Savings Account ( HSA ) with Optum Bank , Inc., doing business under the name " Optum Financial ''. For the past XXXX  months, ever since I terminated mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, my account has been incurring a monthly " account maintenance fee '' which I did not agreed to. This fee did not and still does not appear on the fee schedule on Optum Financial 's website, either before I XXXX XXXX XXXXXXXX  or at any time thereafter, and I did not receive any notification about it by mail or e-mail.

I have contacted Optum numerous times about this issue, starting on XX/XX/XXXX when I first noticed the discrepancy. At first, they told me that the fee had previously been paid by XXXX, and that they started charging it to my account when I XXXX XXXX XXXX XXXX. I asked why this fee was deducted when the written schedule of fees doesn't authorize it, and they were unable to provide any justification. I was told that the discrepancy would be investigated, and I called back about XXXX times over the next XXXX weeks but was continually told that the investigation was still pending. The company repeatedly promised to call me back with updates but never did. 

Dates of my phone calls : * XX/XX/XXXX * XX/XX/XXXX ( XXXX calls ) * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX On XX/XX/XXXX, I spoke with an Optum Bank supervisor named " XXXX '' on a recorded phone call. She confirmed that Optum Bank was aware that the monthly maintenance fee was not included on the schedule of fees, but said that regardless, it would not be refunded because the maintenance fee was as-is. 

Please see the attached documents in support of this complaint : * Account statements showing the monthly maintenance fee ( charged aXXXX XXXX XXXXXXXX, XXXX times between XX/XX/XXXX and XX/XX/XXXX, totaling {$30.00} ) * The current " HSA Fee and Interest Schedule '' ( dated XX/XX/XXXX and still current as of XX/XX/XXXX, accessed via the Optum Financial website ) which does not show a maintenance fee * The " HSA XXXX  XXXX '' governing the account, which states that the " Schedule of Fees '' is the authoritative document governing fees that I owe ( unless XXXX notice is given ) l see highlighted sections on page XXXX XXXX XXXX XXXX * The XXXX XXXX consent policy '' stating that Optum Bank 's website is a legally recognized means of delivering the account agreement and fee schedule
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (VA)

I contacted this company twice more than a year ago by phone inquiring about a letter I received about a debt that was closed and discharged in a settlement agreement. Upon calling, I was told on two separate occasions, that I do not have any collections accounts when I provided basic information. They said there was nothing in my name. Now they are reporting it to my credit report.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

What happened? 

I filed a dispute with TransUnion on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. 
Account no. : XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 

2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. 
After doing my research I found inaccuracies on the report still, even after they did their due diligence. 

Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me 1.5 % extra because of this inaccurate information.

In accordance with the Fair credit reporting act convergent the above account has violated my rights. 

15 U.S.C 1681 section 602A : States I have the right to Privacy.

15 U.S.C 1681 section 604 A Section 2 : IT also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank You Warm Regards XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

XXXX XXXX XXXX Credit Cards XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX/XXXX XXXX Complete Department Stores XX/XX/XXXX
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (VA)

My name is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!
Consumer complaint received 2021-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (CA)

My credit is being ruined by a false bill generated when I initiated a contract back in 2016. The company had a promotion that you could take the phone and tablet back if you didn't like phone service. So the phone service was horrible and didn't work as advertised in XXXX, which is where I needed it. I returned the devices and told the store that they would handle the account and close it with no charges. Years later, I find out they have placed this account into a collection status with a Diversifified Adjustment Services Inc. I have called XXXX to resolve the issue, but they refuse to speak with me and give me a breakdown of the charges. The only thing the company will provide is a bill that states I owe them but doesn't state what services were rendered or their associated costs. They are literally making the numbers up and won't justify nor speak to me about the charges. I know this has to be highly illegal, if not extremely unethical.
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I put money down on a vehicle ... In TILA 15 USC 1662 Advertising of down-payments and installments ; clearing states it is illegal The dealership is XXXX dealership in XXXX, IL, the salesman there told me I need XXXX for a down payment to enter a installment loan with Credit Acceptance. I have banking info with date to prove it.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

AfteXXXX XXXX XXXX of timely payments, account closed by credit grantor due to a returned payment. Payment resubmitted as soon as return payment was realized and account is in good standing. This negatively affects my XXXX XXXX.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (WI)

I am struggling for a little bit my work is slow so I missed a payment but made XXXX back already I am XXXX  months behind in rent I asked them not to take out things will pi k up quickly they are running me negative in my account and they are trying to take double out I tried to talk to them but they said tough XXXX I am going for a week with no meds I am XXXX  and so is my wife a week will be very bad for us they won't work with me they are rude.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX

Account Name: XXXX XXXX Account Number: XXXX**** Reason: Unverified account

Account Name: XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX) Account Number: XXXX****
Reason: Unverified account

Account Name: XXXX  Account Number: XXXX**** Reason: Unverified account
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Called Comenity bank on XXXXand they informed me they sold my account to a XXXX XXXX and the no longer have account in their database. I called XXXX and they asked for supportive documents which I faxed in. Someone has used my social security number for their personal gain. See attached documents for police report notarized. 


Account reporting to CREDIT REPORTING AGENCIES is from COMENITY BANK ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXXXXXX XXXX paid off, as well. Score didn't increase as with other XXXX agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
TransUnion and XXXX both have XXXX hard inquiries more than XXXX yrs old. Should only be XXXX hard inquiry.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

XXXX put me into collections in XXXX and now has put me in again for XXXX when in fact the contract had ended in XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

After reviewing my Experian credit report I was able to identify multiple accounts and addresses that I never game permission to furnish as well as the items beings fraud. I have contacted Experian multiple times in regards to this and they have failed to provide a solution. Experian as violated my rights as a consumer per FCRA on multiple occasions and it has caused serious damage to my reputation. With them also reporting these addresses I am concerned with people getting access to my personal information.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you and attaching the court report proving that these accounts are not mine. I do not have anything in common with these accounts and its identity theft. Remove them please ASAP
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (GA)

Theres an account on my credit with BARCLAYSBK thats an fraud account and I didn't authorize. I've sent letters to company and it still remains on my XXXX  report from XX/XX/2014 2014
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX  XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX  this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX  that should not be reported.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

My account was blocked and they didnt notify my at all so when I tried to access my account it was blocked they also are holding my entire employment check causing extreme hardship and now I have no power because I cant pay my bills without my paycheck that they are holding Ive called the repeatedly to resolve this issue and they refuse to fix it
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE SEE THE DOCUMENTS BELOW. PLEASE HAVE THE FOLLOWING ACCOUNTS DELETED WITHIN 4 DAYS. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE BEEN DELETED FROM MY XXXX AND XXXX CREDIT REPORT PLEASE FOLLOW.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I consumer received a letter from consumer reporting agency Equifax stating that my personal information is at risk due to them having a data breach. However, this breach happened but I was notified late when it became public due to the massive complaints that were being made by other consumers. I was instructed by the information Equifax provided to check if my information was jeopardized and I was affected by this breach below I will submit proof. This breach has affected me and my defamation of character. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid, you created a false impression that I was not able to pay the alleged debts.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place