davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I filed a claim for XXXX that was taken via cashapp from my ex boyfriend who stole all my property which I filed a police report for and canceled and blocked all cards involved I provided the police report number and I have verifications of all my interactions and responses with the bank as well as my other accounts involved.I have several third party witnesses that have witnessed The Bank of America constantly discriminating and unprofessionally, negligently, and without any empathy or understanding of the situaion at hand and nothing is documented on their end.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-09
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. (NY)

XXXX XXXX , XXXX put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX ). I had paid this by check back in XXXX/XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with Experian and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called XXXX, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of Experian ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.
Consumer complaint received 2017-09-15
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (GA)

XXXX XXXX is a third party collection agency I have been repaying my school loans. In the last few weeks, they have called my place of employment repeatedly despite them being told not to call. The last time they called a woman by the name of XXXX XXXX was rude to the staff. This is unaccpetable, especially since I make monthly payments! Besides, it makes absolutely no sense to get someone fired from their job where they make money if you want money from them!!! And i do pay them monthly!
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I made a final closing payment in may with Comenity bank on my XXXX XXXX XXXX and closed the account. I was told there was nothing else for me to do and that I was good to go. I was then called months later saying I owed interest fee even though I had fully paid the account and was told I had nothing left on it and even closed it. I didnt have access to the account. On top of the interest fee on a closed account, I was charged multiple late fees. I never received any form of statement via mail or email. I told them I wasnt paying something I had no idea I owed. The customer service representative then said okay bye and hung up on me. I spoke with another woman who told me shed pass it along. I then called again and was told dont worry, we wiped it clean youre good to go. I thought everything was ok until I was checking my credit today ( XX/XX/2022 ) and I saw there was still a fee listed. I called and sure enough i owe {$42.00} still. I hadn't even received a phone call since the original calls. I eventually spoke with a supervisor who told me she waived the fees and credited the account which then leaves my account with no payments left. Im still not sure this is fact, and I feel unsure that I wont eventually be getting phone calls on account thats been closed since XXXX. I already spoke with a supervisor and Im not sure who else to speak with. I paid the account off and closed it months ago, and was never told I owed money until months after the first late fee was due.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I RENTED A CAR AND WAS XX/XX/2020 AND WAS NOTIFED/INFORMED THAT MY CAPITAL ONR MASTER CARD DOES COVER COLLISION DAMAGE TO MYRENTED VEHECILE. UNFORTUNATELY I HAD AN ISSUE OF WHICH I PROCEEDED TO FILE A CLAIM WITH MASTER CARD / CAPITAL ONE CARD VERIFIED CLAIM AS SUPORTED BT COPIES OF EMAILS FURNISHED TO THIS COMPLAINT SINCE XXXX OF 2020 IT SEEMS AS I HAVE BEEN GETTING THE RUN AROUND BY MASTER CARD AS TO THE TRUE STATUS TO SAID CLIAM XXXX XXXX )
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXXXXXX has violated my rights. 

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.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SD)

In XX/XX/XXXX I moved to an area XXXX does not cover. I sent them several proofs of change of address and my new DL from SD where they do not have coverage. They canceled the contract, and I had a letter stating so. I do not owe XXXX any money at all, they agreed in XX/XX/XXXX to that fact Now a new company has reported collections that do not exist.
Consumer complaint received 2020-05-27
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. (IN)

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as XXXX, XXXX, and Transunion not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX Bank {$1700.00} 2 ) XXXX XXXX Bank XXXX XXXX {$720.00} 3 ) XXXX XXXX Bank XXXX {$560.00} 4 ) XXXX  XXXX Bank {$850.00} 5 ) XXXX XXXX 6 ) XXXX  XXXX Bank XXXX {$0.00} 7 )  XXXX XXXX XXXX 8 ) XXXX XXXX Auto Finance 9 ) XXXX   XXXX  Ser 10 ) XXXX  Card Service
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TX)

My complaint is against " Seterus '', a debt collection and mortgage servicing company. 
My complaint would qualify as an overpayment of funds that are not being returned or acknowledged. 
Description - In XXXX of this year I set up a repayment plan to catch up with my mortgage. The agreed upon plan consisted of five monthly payments. The first payment of {$2900.00} and the remaining four payments of {$2200.00} each. After which regular payments would be made. 
The plan was set up and completed just as agreed upon. Each payment was drafted from my checking account and paid in full. This we agree upon, but XXXX additional ; payment of {$1400.00} was made on XXXX XXXX that they have no reasonable explanation for. I 've called 4 times, spoke to supervisors and various other analysts and they give me the go around that no reasonable person could understand. They do admit that mistakes were made on their part, but still refuse to return the money to me. ( I have statements and records to verify my facts. ) Please help! 
XXXX XXXX
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I recently applied to XXXX XXXX for auto loan refinancing, but was turned down for the following reasons : - history of delinquent credit obligations or public record items - unacceptable use of funds proceeds ( what the XXXX it means??? ) XXXX XXXX referred me to Equifax as a source of the information, which is COMPLETELY FALSE AND INADEQUATE. 
I had NOT a single late payment or any other delinquency within at least the last 10 years. Two other credit bureaus appraised my credit rating as XXXX and XXXX, while Equifax gives me just XXXX! 
I tried to contact them, but their website and phone system are not designed to respond to complaints. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Around XX/XX/2020 i XXXX XXXX XXXX opened a credit card account online with capital one bank and capital one approved me for a secured credit card and which i was excited to start my credit over again so at that time i sent capital one my security deposit for XXXX online then i got a letter from capital one bank on the XX/XX/2020 telling me that they need to talk to me about possibly fruad so i contacted them about their concerns and i also corporated with capital one bank giving them all the identifying information needed to get the restriction lifted twice first time they ask me for identification card pge bill and social card and i sent those to them and they confirm they received those items but them they stated to me that could not clear my id cause it was to knew and to call them back in a week i did that patiently waiting on capital one in the mist of all this iam dealing with XXXX and needing to use the card so i can get my medicine because i dont have enough cause i put the money into this account i am so XXXX  and iam asking that they please lift this and pay for my medicine that is XXXX because i should never been put threw this XXXX
Consumer complaint received 2021-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-09-15
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: Experian Information Solutions Inc. (DC)

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX as scheduled. Also attached is a payment ledger from XXXX.
Consumer complaint received 2023-03-05
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. (FL)

A charged off account is being reported incorrectly on my Experian credit report. I have submitted XXXX disputes regarding this issue. 

Dates these said thorough investigations were complete and deemed accurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The payment history of the account should not be reporting XXXX  days after the account was charged off and we are WELL over XXXX  months. This manipulates the date of last activity which directly impacts the statue of limitation for this account. It insinuates that the charged off status is more recent than it actually is. 

I have disputed this many times after giving them ample opportunity to update the account. This is greatly impacting my credit profile.
Consumer complaint received 2023-01-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form my report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$650.00}
Consumer complaint received 2024-03-01
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2020-11-03
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: DISCOVER BANK (NC)

In the beginning of XXXX of this year I called Discover and notified them of some charges that I saw on my statement that cut on XX/XX/2020 that were not authorized by me. The charges are as follows XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX at XXXX XXXX for XXXX, XXXX @ XXXX 's for XXXX and XXXX To XXXX XXXX XXXX  for XXXX. I filled a police report with the XXXX Police department Case number XXXX. I called Discover on XXXX and was told that I must pay for the charges and that they would be charging my card. Discover indicated that the charges were valid because of my address being verified with the merchant I pointed out to Discover that they have notified me that my information ie address, email, phone number etc. have been found on the dark web so I wouldnt find it impossible that my information could be used. These charges happened in Florida I live in NC and wasn't anywhere near FL at the time these transactions occurred. The charge right before the fraud occurred happened in NC.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am undoubtedly a victim of Transunion 's " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX Address C/O XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Oil companies Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX XXXX   Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX  ) XXXX   Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX.XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX   XXXX.

Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX  ) XXXX Address XXXX XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX