davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

I just received an alert from my 3 credit bureaus letting me know a collection agency by the name of Jefferson Capital Systems is reporting negatively on my XXXX, XXXX, and XXXX XXXX Credit report. When I got access to my 3 bureau credit report, I noticed that they collecting on behalf of XXXX XXXX I immediately called XXXX and spoke to a rep by the name of XXXX, Employee ID XXXX XXXX. I informed XXXX that I've never had any account with their company. He asked for my first and last name and social security number. I gave him my personal information and he was able to confirm that this account was a cancelled account and I owe no money to them. I then informed him that a collection agency by the name of Jefferson Capital Systems is negatively reporting on my 3 bureau credit report that I owe them money and that they are collecting on behalf of XXXX . The rep told me to reach out to this collection agency immediately because they are reporting a false account on my credit report which I owe nothing and ask them to remove this account immediately. 
When I called Jefferson Capital Systems, prior to speaking to anyone, their system asks you to input your social security number in their system so that they can pull up any account associated with my social security number. When I inputted my full social security number, their system confirmed I do not have any account with their company. But I still wanted to speak to one of their agents because its reporting on my XXXX, XXXX and XXXX XXXX Credit Report. 
The agent 's name I spoke to is XXXX, Employee Number : XXXX. He is a supervisor with Jefferson Capital Systems. He asked for my last 4 of my social security number. I gave it to him and he immediately said he is collecting on behalf of XXXX XXXX So I asked if I could give him my full social security number instead of my last 4 of my social security number. He refused to accept my full social security number. So I asked him if we could get XXXX on the phone so that they can tell him that I never had a XXXX  account and I owe XXXX no money. He refused to call them but instead he said he wanted to file a fraud case instead. So I asked XXXX what fraud was committed besides his company illegally representing XXXX as their client which their claiming to attempt to collect on behalf of because I owe XXXX no money at all . He responded with, " This is our process ''. 
Below is the account information of this fraudulent collection agency grossly overstepping their authority by falsely representing XXXX XXXX their client which their collecting on behalf of : XXXX XXXX XXXX - Amount they claim I owe : {$1200.00}
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BANK OF AMERICA Account type - Credit card Date opened - XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Above Account created under BANK OF AMERICA XXXX XXXX was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. 
According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.
Consumer complaint received 2023-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

We have tried to send written correspondence via mail since XX/XX/2023, but unfortunately the usps has failed to deliver our correspondence and so this will serve as notice instead of the letters sent. Please refer to the documents attached to see the issue concerning the shipping of the correspondence. Also, the document that was sent is attached called : PNC information request. This is a request to PNC ( loan servicers ) to provide information on our mortgage account held with PNC regarding who the owner of the mortgage is as well as any investors and their contact information. If there is no response concerning the matter within 10 days from the receipt of this notice it will be understood and agreed to that there is no ascertainable owner or investor of the mortgage. If so, we request a release and reimbursement of funds.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NE)

I had a promo for XXXX  % on purchase of {$860.00} from XX/XX/XXXX until XX/XX/XXXX. 
I believed I had paid off the balance but upon checking I was charged deferred interest. I had tried several times messaging the company and then called on XX/XX/XXXX to try and explain I was charged too much interest. My call was dismissed and was told there was nothing I could do about the interest charges. I recalculated my statements and believe I should be subject to interest on a balance of {$180.00} at the time of XX/XX/XXXX. However, I was charged interest based on a balance of {$410.00} and do not understand how this balance was attained. 
I was charged interest of {$180.00}. I had tried to explain I had lost my job due to Covid during the timeframe but they said there was nothing they could do about the interest charged.

This amount of interest is a huge burden to overcome while I try and dig myself out of debt from losing so much income during Covid. I had been staying home with my kids because they could not attend school during much of this time as well.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

In the year XXXX, my daughter saw a doctor in the XXXX XXXX XXXX. I didnt notice the bill was overdue until much later, after we moved. by then it was in collection and we didn't have the money to pay. It has been sold multiple times and each time the new agency places it on my credit report as a " new '' account with a " recent '' date. Probably the date they purchased the account. This Account is now over 7 years old and way too old to be on my report. I have disputed it several times previously AND it was REMOVED each time, only to REAPPEAR a while later with a NEW agency. 
This HAS to be illegal. THere is NO way that ONE account can be magically renewed just because it was purchased by a new agency. When I contacted the CBE agency, they threatened me with arrest, which I am aware is not within their abilities. 

Original debtor XXXX XXXX original date XX/XX/2014 Patient XXXX XXXX Parent XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX account sold to CBE collections : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express Sent me a marketing on XX/XX/XXXX. 

I have received other marketing material from American Express since XXXX. I have made requests with XXXX XXXX and XXXX XXXX XXXX XXXX None of the requests have been honored and i continue to receive marketing materials from American Express. I am very upset that this continues to happen and i would like it to stop. I have applied for the The XXXX XXXX XXXX Credit Card from American Express and the The XXXX XXXX from American Express. I have been declined for both and i have asked not to get any further marketing from the companies because of this. I have every right to use the opt out and the XXXX  to stop solicitations. Yet, American Express does not respect my requests and they continue to solicit at their leisure despite my requests.
Consumer complaint received 2021-11-02
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. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-02-15
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. (WA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information in violation of Fair Credit Reporting Act Section 609-A one A. You are required by federal law to verify any and all accounts that you post on the credit report through physical verification of the original signed contract. Otherwise, anyone paying for your debt is most likely fraudulent. I demand to see verified proof. If you fail to comply, please remove this account from my report immediately. 

I'd like to know why you're reporting this account to my credit report. This account has been closed. Remove this account right away because of inaccurate reporting. 

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX 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 2024-02-15
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: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I was scammed via XXXX  from someone trying to purchase a rental home for a few days. They took the money and never showed up to let us into the home. I have all of the proof of conversations and a rental agreement. Unfortunately, the information that was provided by the owner was false. Ive contacted Wells Fargo multiple times to help me get my money back. I do feel as though with my proof I should be entitled to my Money back. I also have filed a dispute with XXXX. Sent money, {$1100.00} via XXXX  on XX/XX/XXXX through Wells Fargo. Disputed on XX/XX/XXXX telling them immediately it was fraudulent. They did not ask for any proof or documents regarding my case. They closed it and claimed that they sent a request to the bank asking for the funds backthe other party is not going to send it back.
Consumer complaint received 2015-05-06
Product: Other financial service — Credit repair
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I used Lexington Law for 2 years to raise my credit score and remove some items from my credit report well my score went down about XXXX points after I was finished paying them {$99.00} a month for 2 years They did nothing for me except take my money every month. I truly would not recommend them to any one. I would call periodically and was told that if I would hang in there a year that I would see results a year after I started my score went DOWN.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (IL)

Ive contacted Flagship credit acceptance several times asking them to update my balance on my credit. They say its no way for me to speak to credit department I have to email them so I emailed them and got no response. I put in XXXX disputes with XXXX and they keep coming back saying information is accurate when its not. My car was totaled out and my balance was updated months ago. My balance hasnt been updated since XXXX on my credit report
Consumer complaint received 2024-02-15
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. (TX)

I requested a method of verification from equifax back in XX/XX/XXXX, I never received it, I filed another dispute via certified mail on XX/XX/XXXX, the dispute was file for identity theft and fraud items listed on my credit file! The item : XXXX XXXX XXXX with a balance of ( XXXX ) also doing business under XXXX XXXX XXXX appears on my equifax credit file, and after I have told equifax to NOT ALLOW this company to report to my credit file because this account is fraudulent they continued to update the account, not verifying accuracy and not thru physical verification! It has been over 10 days and the item has not been blocked! Equifax is using my credit report improperly according to FCRA! And allowing business to have access to my personal information after i have repeatedly requested this company be blocked from credit file. I have never lived at the address the collection agency has listed also my personal information is incorrect so Equifax could not have verified an account with inaccurate personal information. Equifax also keeps claiming they lost my IDENTITY THEFT REPORT FRON FTC! I will include copy with this complaint! That way equifax can no longer lie and say they did not receive it
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NC)

I made a purchase online with XXXX XXXX, the total cost was {$25.00} and I paid the {$25.00}. The purchase was discounted since I applied for a XXXX XXXX Rewards Card ( Barclays ). I was approved but never received the card. I received an online billing statement but that can not be paid online without the XXXX digit number on the card. I also could not contact customer service online without the XXXX digit number, so I called the customer care number, XXXX. I explained the above and asked for the card number but was advised that they could not give me the number over the phone. The bill for the actual items is paid in full, but Barclays continues to send me bills for late fees, interest, and penalties, in the total amount of {$59.00}. None of that is for goods or services, only fees incurred because the bill was not paid when the first statement was sent. The bill can not be paid without the card/card number and I did not have and have never received the card or the number. I sent payment via regular mail, with only my name and the last four digits of the card that were provided. I don't owe them any money and do not want the card. I also want them to stop sending me bills for any fees/interest/penalties.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

XXXX XXXX, 2016 TO : Consumer Financial Protection Bureau - on line complaint To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-02-15
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. (FL)

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In XXXX and XX/XX/2024, I reviewed my credit report and observed that there were new hard inquiries to my credit report that I did not authorize. I have contacted the institutions and they have XXXX  information associated with the accounts or information provided. I have called Equifax and they have not helped remove the hard inquiries mentioned below. I demand this to be removed immediately
Consumer complaint received 2024-02-15
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. (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 ante
dates 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 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2021 I went to Bank of America to deposit money I went to the ATM Machine and at first it was saying my money was still Processing but I had not put any money in the machine so I went in got someone that works at the bank he said just wait until my card comes out he said push amount so I push {$10.00} then my card came out so he said something wrong with this ATM machine so I went to the other ATM Machine he said put your phone over this symbol I did so after that I Look at my Receipt and it saying we apologize for the inconvenience we are unable to process your requests and can not return your items please contact our Electronic clams department team at XXXX to discuss this transaction i went into the bank they are saying they dont know whats going on to call customer service so I did that and the women who answered the telephone said we closed your account due to XXXX  XXXX  I said the card was saying decline she said I can sent you a new card then she said wait its saying your account is closed so she transferred me to someone else she said we closed your account we can do so at anytime I said nobody saying why it was closed so she said no I said what about my {$100.00} she said we we sent out a check XXXX XXXX