davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, this is the first time that I found out somebody had hacked into my Bank of America debit card and multiple unauthorized transactions also happened. I lost {$980.00} that day so I immediately filed a claim regarding to fraud. The card was never stolen, it was with me the entire time but I did not use it at all. My debit card only had {$3.00} left at this point. The bank gave me their word promising that Ill get my money back and they will have a resolution within 10 days. And they canceled my debit card and renew a new one for me. 
However, between XXXX XXXX, my new debit car was has been compromised again which I do not leak any of my information to anyone ever. At that point, my account had XXXX XXXX left. So I filed a new claim because my money was still kept on getting scammed. And bank of america has done a poorly job to protect their customers security.

Today, Bank of America denied my claims saying those transactions was pinned and blaming them on me. And Ill will not be getting a refund but like I said I did not do all the transactions at all.
Consumer complaint received 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. TansUnion : [ XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. Not indicating when or if the account has been sold. Misrepresentation of the account status Not reflecting a XXXX XXXX balance after transferred, sold, or even paid. 
Reporting inconsistent balances across bureaus a. EXAMPLE : TRANSUNION : XXXX XXXX : {$0.00} XXXX : {$220.00} Date of first delinquency illegally being changed. a. Should reflect the first time the account went into a delinquent status. The date of the first 30-day pass due notice.

b. EXAMPLE : First 30-day pass due notice is XX/XX/XXXX, but Status updated shows XX/XX/XXXX Once the charge-off goes past XXXX days, the account is DONE! a. You can not have on time payments! You can not add anything else to it. There should be nothing left on that account. This account was SOLD AND TRANSFERRED as well yet TransUnion still chose to report false misleading information on my credit report. 
XXXX and XXXX removed the account from my credit report because the account was unverifiable, incomplete and inaccurate. Credit report agencies per FCRA is supposed to report 100 % accurate, verifiable and complete information on a consumer report. This account also states that never once verified this account because its states this for the dispute status on my credit report that this account is not disputed. I have been disputing this account for a year now with TRANSUNION failed to investigate this account properly. They have this account listed as LAST VERIFIED : XX/XX/XXXX. DATE LAST XXXX, DATE REPORTED : XX/XX/XXXX and DATE OPENED : XX/XX/XXXX FRCA VIOLATIONS. This proves that TransUnion is falsely reported fraud by their agency without permissible purposes I never gave them permission to report this account on my behalf. I have also sent XXXX numerous certified letters with return receipt no response at all and they havent responded since XX/XX/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. (TX)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX # XXXX XXXX  ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) # XXXX XXXXXXXX XXXX ( Original Creditor : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

I am writing to formally dispute Transworld Systems Inc 's claim that I owe a balance due. The assigned File # in your letter is XXXX, and the unique registration code is XXXX. 

I am disputing these debts because : -While the invoices list myself and my address as the sender and sender address, I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape or form. 

-Since I received the first invoice I have repeatedly contacted various departments within XXXX indicating that I have never sent the packages indicated in the invoices, I have no knowledge of these packages or invoices, and I am not associated with these packages or invoices in any way, shape, or form. I have demanded that they be removed from my record, and some fraud cases have been opened. 

-I believe that there has been a scamming attempt on my XXXX  account in another country, and I have closed that XXXX account as of XX/XX/2020. No further new invoices from XXXX  are sent to me ever since. I have lodged a complaint to XXXX XXXX and XXXX Customer Relations Department. 

-I have examined my credit report and confirmed that this balance due does not exist under my name. 

-I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information. 

Considering the above information, I have ample reasons to believe that my balance due from XXXX is due to an identity theft situation in which I am the victim. Hence, I formally dispute the validity of this balance due recorded at your agency. I will launch formal complaints at XXXX XXXX XXXX ( XXXX ) and Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2019-05-29
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. (NJ)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Healthcare Receivables Group, Inc. (NC)

On or around XX/XX/2020, I noticed a medical collection account was added to my XXXX  credit report. The collection account shows as Healthcare Receivables Group on my credit report with the original creditor shown as XXXX XXXX Hospital. I did not receive any written notice or communication about this debit nor any written communication that the debt would be placed on credit report. I had been making {$25.00} payments monthly, sometimes more so I did not understand why the debt was now a collection. Once I noticed the collection account, I contacted XXXX XXXX to find out why the account was now a collection, I was told there was nothing they could do.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (OH)

I was approved for a credit card through Concora Credit it was an Indigo XXXX XXXX. I checked the balance on the card and it is a {$170.00} annual when the cardholder agreement does not say anything about {$170.00}. The cardholder agreement says that the annual fee could be between $ XXXX {$99.00}. I was told I would still be responsible for the {$170.00} even if I did not use the card. I requested the fee be waived or lowered to a proper amount that is listed in the Cardholder agreement but the request was denied so it made me stuck and in a bad position. I had to use the card since I was going to be charged the over the card holder agreement fee which is a violation of the card terms which should mean it is invalid. I was only able to use the card XXXX before a security feature locked my credit card and no one is able to override the security feature. I spoke to several associates with Concora and they could do nothing for me. The card has plenty available credit but it the card continuously denies for any transaction no matter how big or small the amount is. It is ridiculous Concora Credit violates the cardholder agreement with significantly overcharging me with an outrageous Annual Fee then locks the account so that I can not use the available credit but Concora still would want me to pay for something I can not use. This company is horrible and should be avoided at all cost.
Consumer complaint received 2022-08-13
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. (NY)

I am writing this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. 

XXXX reports to me I don't owe them anything
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-20
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. (NJ)

On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in 2017. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are several fraudulent charges on my account. my card was used in another country! without my permission. I reported the charges to capital one in a timely manner and they are refusing to do anything about them.. I offered to provide evidence however they claim they are refusing to discuss this manner anymore with me and keep hanging up the phone.
Consumer complaint received 2021-02-24
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. (NY)

A company named XXXX placed a malicious collection item in my Experian credit report. I am not aware of XXXX and have never done any business with them. In the credit report, it is mentioned that they are collecting a XXXX balance, yet there is was not assignment of debt document letter provided by XXXX to XXXX to present to shoe that XXXX has a right to any debt. XXXX must be required to remove the malicious collection item from my credit report by reporting the item removed. It is unlawful for a debt collector to place collection item which are not their own debt as the originator or assigned by the debt originator in order to have a right to the debt. 

Additionally, I deny owning any debt to XXXX and do not own a XXXX card and never owned a XXXX card. I have attached the result of the complaint filed with Experian where Experian reached out to XXXX and XXXX illegally confirmed the debt and as a result, Experian did not remove.
Consumer complaint received 2015-04-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (NJ)

Keep getting daily phone calls and voicemails from XXXX indicating to call back that I 'm involved in a very important matter for over a week.. So finally called back. Lady indicates their customer has contacted them wanting to be paid back for a payday loan. Would not tell me who she was or the customer. Also indcated that when applying for payday loans ( which I 've done and paid off well over a year ago ) that there us a XXXX company involved that also gets paid but is either not disclosed or in very fine print. She said she would email me documentation but has yet to do so although has called again. 
I googled the number and see many complaints of same voice mails and apparently part of a scam.
Consumer complaint received 2020-12-07
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. (GA)

Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX  and Experian however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.
Consumer complaint received 2016-05-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: West Coast Servicing, Inc. (CO)

In XX/XX/XXXX/XX/XX/XXXX I started my own business. I lived in a condo with a mortgage. I applied for and received a Home Equity Loan from XXXX XXXX in order to finance my business. At first I was able to make the payments because business was still decent. The recession hit really hard and I lost almost everything. I had to declare bankruptcy but was just barely able to keep my condo. It was terrifying and exhausting. XXXX XXXX sold my loan to some bank in XXXX ( I have the details at home but am trying to type this out at work while I have a moment of spare time, I 'm sorry - I can add the details! ). I contacted that new holder of my loan and they told me that I did n't have anything to worry about - they were n't trying to take my condo - and they were simply going to hold the loan without charging interest or requesting payments and they would just take the money they were owed when I sold the condo. This " business loan '' was the only thing I was n't able to relieve myself of in my bankruptcy. That was years ago - and NOW there is a company ( West Coast Financing ) who apparently bought the loan and is now demanding payment PLUS and exorbitant amount of interest ( WAY more than I ever agreed to and WAY more than the original loan ). I ca n't make the payments and I never agreed to this. Now they have a local attorney who is taking me to court over this! There is a date set for later this week or next. I do n't know what to do. I do n't know who to turn to over this and I need advice as soon as possible. I do n't want to be take to court again over losing my business. My original mortgage was with XXXX ... everything about the loans I received was quintessentially everything that went wrong with all of the banking that caused the recession. I feel like I 'm still caught up in the teeth of the ramifications of easy lending and now very predatory practices. I never agreed to any of these terms! I think they want to foreclose on my condo - the only thing I was able to salvage after so many years of loss and hard work. Please Help!!!
Consumer complaint received 2020-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XX/XX/2020. Thank you to CFPB and NewRez for your help today. Briefly -- The NewRez website is UN-secure and is NOT functioning at all. Specifically, there is absolutely no place to login. The page is entirely BLANK. I removed ALL cookie and pop-up blocks, and still have not been able to log onto the website. This has been going on since at least XXXX XX/XX/2020, if not longer. With the website down, I can not view anything in my account until NewRez repairs its website. Since NewRez is responsible to pay my taxes and insurance from ESCROW, I need to be able to view this information. Further NewRez is obviously aware of the problem since I am most likely not the only customer affected. This level of dereliction is not acceptable for a banking or mortgage institution. Please resolve this problem, so that I and other customers can gain access to our accounts. Thank You, Sincerely.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've had capital one card over 2 years, was happy with it. But then coronavirus hit and I haven't put any spend on it in over 6 months. I use it today for the first time and notice I was charged an annual fee yesterday. I called to cancel the card and get my reimbursement XXXX or at least for 11 months since I use it today ). They said it could be cancelled but no prorated fees would be returned. I've heard many other cards give you your money back of your cancel anytime during the year because they can't charge you for what you don't use.
Consumer complaint received 2020-12-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz Financial allows their dealership to at their discretion mark up the interest rates. I was offered 7.8 % for a car with the same LTV and trade in terms as my new car I purchased. However when I went to XXXX, I as able to get the same loan@1.9 % and {$1000.00} down. I am a woman XXXX I feel like I have been discriminated against.