davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (AR)

A fraudulent charge was added to my card I called Avant right away they got the charge removed from my balance it was a {$100.00} charge the very next day there was another {$100.00} charge on my card I called them several times to try to find out what it was finally they put me in touch with somebody in the fraud department I called her XXXX times and never got one return call meanwhile charges are adding up from this {$100.00} the payments and the late payment so finally one day after calling the fraud lady again the next day the {$100.00} was off of my balance however the accured money from that {$100.00} was still on my balance since then they have reported me to the credit bureau for money I do not owe them
Consumer complaint received 2024-02-13
Product: Credit reporting 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)

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 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (TX)

I am reaching out to dispute an entry on my credit report that I believe has been mistakenly or fraudulently reported. According to my recent credit report, there is a debt listed under XXXX XXXX concerning a XXXX XXXX account. I must clarify that this account does not belong to me, as I have never attended XXXX XXXX or any other educational institution that would result in this reported debt. 

**Disputed Account Details : ** - **Collection Agency : ** XXXX XXXX - **Associated Institution : ** XXXX XXXX - XXXX XXXX : ** XX/XX/2023 - **Reported Balance : ** {$580.00} As a retired veteran, any educational endeavors I might pursue would be covered in full by the XXXX. XXXX, eliminating the need for any such accounts or the accrual of related educational debts. Therefore, the presence of this account on my credit report is both confusing and unjust, adversely affecting my credit score and financial standing. 

Given these circumstances, I am requesting : 1. A thorough investigation of the disputed entry, ensuring a review of any associated documentation that XXXX XXXX or XXXX XXXX XXXX have falsely linked to my identity. 
2. The deletion of this incorrect account from my credit report across all credit reporting agencies, should there be no legitimate evidence of my association with the claimed debt.

3. Provision to me of all evidence purportedly verifying my responsibility for this account, if such evidence exists.

4. Written acknowledgment of this dispute letter and notifications detailing the progress and outcome of your investigation.

Please understand the urgency and gravity of this situation. The mistaken debt is negatively impacting my financial reputation, and as such, I request your prompt attention to rectify this error in accordance with the Fair Credit Reporting Act ( FCRA ). 

I look forward to your timely resolution of this matter and thank you for your assistance.
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (UT)

I recently look at my credit file and noticed a Barclays bank account. I went through a divorce a few years back and it set me to go past due on a few accounts which I am not proud of. However, Barclays is reporting that the last time I made a payment was in XXXX but it was in XXXX. This is adversely affecting my credit and needs to be fixed so I can mediate the account with the bureaus as I have filed disputes with them as well.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NE)

On XX/XX/2024, I was reviewing my credit reports through annualcreditreport.com. I discovered a collection entry that DOES NOT belong to me from a company named Swiss Colony/Montgomery Ward . The account # XXXX reflected a charge off balance of {$340.00}. Multiple attempts have been made to contact this company without resolution. I further noticed that this same company not only entered a collection entry of {$340.00}, but also entered a " Past Due '' balance of {$120.00} which alerted me to suspicious activity as an account can not be charged off and show a past due balance. 

This incorrect information is causing me financial harm as I am unable to secure a mortgage.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I had already made a full payment of US {$180.00} ( both by cash and refund ) before the due date ( XXXX ) to cover my statement ( XX/XX/2022 ) balance of US {$180.00}. But on the due date, XXXX XXXX, the XXXX XXXX XXXX was still using their autopay system withdrawing money from my closed bank account to pay the future unbilled balance amount of US {$69.00} XXXX which the payment due on XXXX. I was incurred the Return Payment Fee of US {$29.00} on XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IN)

The company closed this card in XXXX. The wanted to verify some information from me and it could not be verified because they sent information to an address that I no longer live at. There is also a fraud alert on the account so no account should have been open or closed. To properly verify my identity, I went into an actual Victoria Secret to show my ID to open a card the right way since this was not done with the previous account. Now please remove that closed account from my credit file
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My local Bank of America branch manager offered a free Business Advantage Checking account, if I used their payroll services. On XX/XX/XXXX, I applied for a business checking account with Bank of America. On XX/XX/XXXX, I received the Welcome Letter indicating how to qualify for the no-fee account ( enclosed ). I was told verbally in person, and in writing, that as long as I kept Bank of America 's payroll provider, XXXX, I would have a free Business Advantage Checking account. Due to these promises, in writing, I went with Bank of America. On XX/XX/XXXX, Bank of America charged me a {$29.00} monthly service charge. I called Bank of America on XX/XX/XXXX to have the monthly service charge removed. The customer service representative stated that Bank of America had changed its policy regarding service fees. I asked to speak with a manager, who stated the same policy. I informed him that I had it in writing that as long as I use their payroll service, I would pay no monthly service fees. He then stated that Bank of America had changed my Account type and that there was nothing I could do. I never agreed to any changes. He also stated that I would have received a package in the mail, AFTER I opened this account that would have had many disclosure and exceptions stating Bank of America could change its accounts and policies at any time. Well, that's not the agreement we made, nor how I was enticed into doing business with Bank of America. In this time, where businesses are struggling to stay afloat, I find it appalling that Bank of America would engage in bait and switch tactics to illicit new business and then engage in unfair and deceptive business practices to pad their bottom line. It is the epitome of big corporation greed and everything that's wrong with Corporate America.

Given the fact that I have, in writing, the policy that states as long as I engage in one of the five qualifying criteria that would entitle my account to no monthly service charges, I'm respectfully asking that Bank of America remove the current charge of {$29.00} and all future monthly service charges, as per written and oral contract. Should Bank of America fail to respond to this complaint or refuse to remove the current and future service charges, I will seek any and all remedies available, including damages. I will also file complaints with the Massachusetts Attorney General 's Office of Consumer Affairs and appropriate Regulatory Banking Authorities. I will also be forced to follow the advice of a legal professional regarding any and all legal remedies, including damages
Consumer complaint received 2022-07-19
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX Opened Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

My checking account with ~ {$4000.00} is frozen and the bank will not provide details why its frozen or flagged or why the " back office '' is investigating. This is an account that I use to receiving deposits when I cash out money from my XXXX account. 

The freeze occurred on Monday XXXX and remains frozen today. I have reached out daily and continue to get the same response that they cant provide any additional details other then this " back office '' I opened a case with their executive response team and that case number is Citi Reference Number : XXXX
Consumer complaint received 2020-07-08
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 is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

THE HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX XXXX XXXX XXXX  is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2023-04-08
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: BMW Financial Services NA, LLC (GA)

During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city and the hospital essentially were on lockdown. I was no longer able to see patients in office because of .During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city, and the hospital essentially were on lockdown. I was no longer able to see patients in office because of the pandemic. I was no longer able to perform procedures due to COVID-19 unless they were emergent. This significantly reduce my income. I was unable to make payments and even call Bmw financial to discuss my situation. Under the Cares companies were supposed to make concessions because of the difficult times during the pandemic. When the hospital allowed us to resume normal work, I am mediately paid the remaining balance of my auto loan off which was almost {$7000.00}. I have disputed the claim of me being late many times, but Bmw refuses to remove the late payments. I have hired an attorney and given power of attorney for assistance. BMW Financial refuses to cooperate. Are no longer owe them anything. Its unfortunate that during the time of a global pandemic that they wouldnt take advantage of individuals.
Consumer complaint received 2020-07-08
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. (CA)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

XX/XX/XXXX - I paid my full balance for a {$2000.00} loan plus the {$26.00} interest that accrued XX/XX/XXXX - The balance was processed on my checking account XX/XX/XXXX - I followed up with the credit reporters and was told it can take a while to update XX/XX/XXXX - I contacted Heartland ECSI regarding the inaccurate information reported on my credit. I asked for a receipt or official proof that I made my full payment but was told they can not provide such document. I was then told to dispute it with the credit bureau and submit disputes with XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I submitted a dispute to the XXXX credit companies : XXXX XXXX, XXXX, and XXXX XX/XX/XXXX- I received an email stating that my dispute was resolved but the information was still inaccurate. My report still states that I have a balance on that loan XX/XX/XXXX - XXXX XXXX instructed that I file a complaint as they confirmed that ECSI has not reported that I paid off my loan
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rhame, Elwood & McClure PC (IN)

XXXX XXXX XXXX, 2023 I received a letter regarding an outstanding balance that I owe. It was an attempt to collect a debt. It was also addressed to a former tenant that I evicted. There was no language or statements/information verifying or detailing what the debt was for. There was no language or statements that include how to dispute the debt or what my Debt Collection Rights are. There were statements threatening to turn it over to Collection Agency with added costs to the balance. This threat would certainly harm my credit history with credit reporting companies. 

I sent a letter to this attorney asking for verification of this debt. I asked no more contact regarding this debt. I am not a current client of this attorney. My former tenant, who was evicted, made a statement in court that he hired this attorney. 
Attorney was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2015-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (OH)

A XXXX XXXX debt has been placed on my credit report that is not mine. XXXX XXXX has verbally confirmed it is not mine, but refuses to provide me with a letter stating so. The account was sold to CBE Goup XXXX. XXXX XXXX XXXX, IA XXXX, when asked to confirm ownership of account with XXXX the refuse to do so. XXXX is also refusing to contact CBE Group. XXXX states that a SSN was not provided to CBE, therefore I do n't understand why it was posted to my bureau.