davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 a company, operating in collusion with another company seized my private property ( one truck and trailer ), towing it to an offsite location and holding it without legal rights. The vehicle was parked in accordance with law, and the towing from private property violated multiple California State Laws ( see document attached below ). The state statute is very clear regarding the siezure without due process of property belonging to any individual in a towing matter from private property. As outlined multiple elements of the statute were violated. When I went to collect my vehicle, a law enforcement officer went with me. He reported to me this was an ongoing issue, with multiple complaints from consumers, but he did not have a criminal statute to charge the tow company and property owner with. The tow company stated I would pay a large sum of money compounding daily or not have my property released. The owner threatened me with bodily injury if I did not pay. They required the use of a credit card. I had to have access to the vehicle, and while I did not request services relating to the tow, I had no option to get my vehicle save giving them my card under duress. They charged the card and I wrote on the receipt the charge was under duress. The owner confirmed the meaning of the term. I then advised Bank of America of the duress use of my card. BofA took the matter for review and then advised nothing they could do with the merchant based on Visa rules. I contacted Visa and they said they would look into their merchant but have done nothing. Visa claim number is XXXX and BofA claim number is XXXX. The owner of the property in collusion with the towing company is circling the parking lot and grabbing persons vehicles. Multiple complaints appear on the web site for this behavior. A criminal and civil case review are in process now.
Consumer complaint received 2021-09-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

Under the fair crdit reporting act of 1861A in the exclusion sect. ( b ) it specifically states, " Anything extended or authorized from a credit card shall be excluded from my consumer report. 

A credit card is any card, plate, or coupon book, existing for the purpose of obtaining money, property, or labor services on credit. 

if this collection isnt removed, you will be civilly reliable for reporting this inaccurate and unautorized information.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I was notified by XXXX XXXX today that my XXXX and XXXX XXXX accounts were negatively effected by a report by XXXX XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX   shows it is.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I noticed that there were purchases made from my account. I called TD Bank to find out what type of company XXXX was. The representative told me that it was for online grocery shopping. I told him that I never made those purchases and he had me fill out a fraud disclaimer. Hes asking a series of questions as he is suppose to, and Im giving him all the information. After everything is said and done he says, Ok Ms., so the last four of your card is XXXX. I said, No. The last four of my card is XXXX. Then he said, Were you aware that there was a second card connected to your account? And I said, No! I was not aware! How is that even possible? So he cancelled both cards and the next day I closed my account because my account was compromised. I am real sceptical about swiping my card places and will only take out money from the banks ATM. I feel as though this was an inside job because its not like the purchases were made from my account using my card number. These purchases were made from another card connected to my account. Someone should be held accountable.
Consumer complaint received 2022-09-10
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (AR)

Logged onto Experian web site to get credit report for {$1.00} in XXXX. Seven months later I find that I 've been billed {$21.00} per month for some type of credit monitoring program that I had absolutely no intention of joining. This is clearly some kind of " bait and switch '' trap to get consumers to agree to an unclear set of terms, and then bill the credit card for which they have your name, number and permission to make a charge. I would like to have a complete refund of the {$150.00} that I was billed by Experian for this bogus " service ''. This is clearly a scam and should be stopped. Thank you.
Consumer complaint received 2019-05-14
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. (TN)

They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.
Consumer complaint received 2020-07-13
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2018-06-12
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 — Investigation took more than 30 days
Company: Client Services, Inc. (WA)

While going through a divorce, my exhusband stopped paying on the account ending in XXXX even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/2017, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/2017. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
Consumer complaint received 2018-06-12
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. (PA)

XX/XX/2018 - I made a more specific attempt to resolve issue to XXXX  and TransUnion. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
Consumer complaint received 2020-07-13
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (KY)

I called on XXXX XXXX and asked for a replacement card because I never received my card the last time I asked for one several months ago so they charged me {$10.00} for the expedited replacement card I was told I would receive it yesterday I still havent received it there is no tracking number and its coming XXXX which makes no sense I have been calling and now they took it upon thereselves to cancel the card I was supposed to get yesterday and now I have to wait another week for another replacement card this is ridiculous they should be able to overnight it to me but they say they cant this is for my XXXX XXXX and there is always an excuse with these people I have asked multiple times to speak to a supervisor and they wont connect me to one.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I contacted my credit card company regarding a purchase I made XX/XX/XXXX, while on vacation in Tennessee shopping at the XXXX XXXX XXXX. I purchased a package of 3 products from a Kiosk owned by XXXX XXXX. A sales rep, XXXX, approached me to demonstrate the product by applying them to my face and after she reduced the price several times I finally purchased the products for {$380.00}, that price was good for that day only. Her sales pitch was that if you use this product you will not need to have XXXX  XXXX or XXXX. After the purchase the sales rep XXXX, said she would email me the instructions on how to use their products. The sales pitch was all about and XXXX XXXX XXXX, " you don't need XXXX XXXX, this product will take care of the problem. '' When I returned home, I opened my products and read the instructions on the packaging, which was not the same thing the sales rep said when pushing her product. I then checked to see if she had emailed me the instructions on using the product. Upon reading the instructions she stated for " instant XXXX XXXX '', use once a week before going to bed, under your eyes, upper lids and between your eyebrows. Clearly this is not what the instructions said on the packaging. It stated " daily application ''. There are other discrepancies. She claimed the product contained XXXX  and XXXX XXXX, but its not listed as an ingredient. I tried the product and did not see the same results as the product she applied on my eyes at the mall. I followed her instructions applying the " instant eye lift '' at night before bed and had an adverse reaction. Under my eyes were all red and had bumps on them. I feel this sales rep has grossly misrepresented the product she sold me. This is out and out fraud. I contacted my credit card company and filed a dispute on XX/XX/XXXX and  also XX/XX/XXXX. All they did was to come back and say that they contacted the merchant and they stated that as per their records the goods sold are of excellent quality and free of any defects. Of course I did not expect them to say any different, but I feel this sales rep has misrepresented the product she sold me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/year>. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.
Consumer complaint received 2021-07-13
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: Resurgent Capital Services L.P. (NY)

I have these accounts that are not mine and i want them to be deleted from my credit report. 

XXXX : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft LVNVFUNDG Account XXXX : XXXX This is not mine.
Consumer complaint received 2019-05-14
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. (IL)

This account is illegally being reported on my credit report. On dates, XX/XX/19, XX/XX/19, and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I noticed an account on my credit files reported by XXXX XXXX XXXX for an account with The XXXX XXXX. After contacting CCS they sent a bill from XXXX showing that I had auto insurance with them. 

I have never owned the vehicle that was covered by this insurance and I never lived at the address the insurance company has on file. 

In attempting to resolve this with both CCS and XXXX none are willing to help.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XX/XX/2019, XXXX XXXX contacted me to pay off a very old credit card. 
I informed XXXX XXXX that to the best of my knowledge the debt had been paid off years ago. 
They told me no, still owed the debt ; no offer of proof that they had. 
I told them that I was not going to pay the debt again. 
Now they call me 1, 2, or 3 times a day. 
I now refuse to answer their calls.