davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

I tried contacting the collection agency and its a wrong number. I tried contacting the credit bureau regarding this information not being correct and they have not removed it from my credit report, they have no proof from the creditor and are aware that the phone number is not a working number and refuse to remove the information from my report. 
They are telling me to contact your company to send a complaint so I am doing this. 
The collections on my account are from National Credit Audit CO {$180.00} and XXXX XXXX XXXX {$1700.00} ( no such company ) Neither one of these collections belong to me and unless there is proof this needs to be removed. So far the credit bureaus have not done this. 
The non-working number the credit bureau gave me to call the creditor is ( XXXX ) XXXX
Consumer complaint received 2022-11-08
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: LendingPoint Holdings LLC (AL)

Lending Pt. Sent account to XXXX prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX and experian still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
Consumer complaint received 2024-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC (TX)

The debt accrued from Acima is inaccurate and I want to dispute the {$2700.00}. It is causing hardships in my life to where I am unable to move forward in business.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My bank has informed me that there is negative information reported by : Bank of America included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see entries from this bank listing ACCOUNT ABUSE in XX/XX/XXXX & XX/XX/XXXX. I do not recall having an account from this bank in XXXX and XXXX. Please validate this information with Bank of America and provide me with copies of any documentation associated with these checking/savings accounts bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are 2 accounts on my credit report that show I owe XXXX to XXXX and XXXXXXXX XXXX. This account has been settled with XXXX XXXX  XXXX. Remove both accounts from credit report.
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To fully grasp the sequence of events, let 's rewind to XX/XX/XXXX. It was during this period that I found myself ensnared in the web of identity theft. Numerous credit card and bank accounts were illicitly opened in my name, with funds being siphoned from my accounts without my authorization or awareness. Resolving this ordeal became an arduous task, necessitating the filing of a police report, extensive communication with credit bureaus, and reaching out to my banking institution. The process stretched on for months, causing considerable frustration and stress. 

Fast forward to Friday, XX/XX/XXXX, when I received notification of a collection debt tagged onto my XXXX report, totaling {$2800.00}, courtesy of XXXX XXXX XXXX XXXX. Upon contacting them for clarification, I learned that the debt stemmed from The XXXX XXXX XXXX in XXXX, with the account number XXXX attached. Asserting that this was likely a remnant of the identity theft incident from XXXX, I promptly furnished them with a copy of the police report as evidence. Additionally, I initiated a dispute through XXXX and placed fraud alerts across all my credit bureaus. Thankfully, XXXX and XXXX acknowledged my innocence in the matter, ultimately resolving the issue. 

However, the repercussions reverberated through my credit score due to the debt 's appearance on my report. Subsequently, I embarked on a mission to rectify the situation by reaching out to each of my financial institutions. XXXX requested the aforementioned police report from XXXX as further proof of my identity theft, but in an unfortunate twist, someone erroneously flagged a legitimate Capital One Venture X card I had opened in XX/XX/XXXX. This card served as my primary means of daily transactions, making the abrupt closure without my consent all the more bewildering. The consequences were dire, as I forfeited over XXXX pointsequivalent to a substantial monetary value exceeding {$2500.00}. Frantically, I scrambled to reroute all my payments to a new card to avert any penalties. Despite repeated efforts through numerous calls to Capital One and XXXX, my appeals to reopen my account and reclaim my hard-earned points fell on deaf ears. I even obtained a letter from Capital One stating that account was opened by me legitimately, but my account was still not reopened.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (MN)

Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.
Consumer complaint received 2021-11-29
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: JPMORGAN CHASE & CO. (PA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

My name is XXXX XXXX, a US military veteran and a resident of XXXX, Massachusetts. I am writing to report the following : At approximately XXXX XXXX  on Friday, XX/XX/2024 ; I went to TD Bank located at XXXX XXXX XXXX, XXXX, Massachusetts for a transaction from my bank account. 

I met a Teller, who directed I put my debit card into the payment terminal. I was then prompted to put in my password, which I did. 

I notified her, I was making a withdrawal of {$6000.00} ( XXXX XXXX dollars ). 

The teller then requested that I confirm my phone number. Which I did. She sent me a One Time Password and asked me to read the password back to her. Which I did. 

I was then requested to show a picture Identification. I presented my Massachusetts driver license. 

The teller while counting the funds, then requested to know my place of work. I felt I had presented five categories of identifications ( Debit card, Pin numbers, my phone number, One Time Password, and Driver 's License ), and that these categories were more than enough, to sufficiently and positively identify me as the rightful owner of the account from which withdrawal was being made. 

The Teller then called a supervisor, and they both refused to complete my transaction without me telling them my place of work on the grounds that they were following Bank policy. An excuse that I find not credible. 

I left the bank without completing my transaction, I was denied access to my funds, and the reason for which I went in person to the bank. 

I feel that submitting FIVE categories of identifications were more than enough to positively identify me as the rightful owner of the account. 

The actions of these TD Bank employees I felt was discriminatory. 

I ask that this matter be looked into, so that such discriminatory practices against ordinary citizens do not continue. 

Thanks in advance, XXXX XXXX.
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX 1st Notice U.S Postal Service Certified Mail # XXXX 2nd Notice U.S Postal Service Certified Mail # XXXX CAPITAL ONE AUTO 1st Notice U.S Postal Service Certified Mail # XXXX 15 U.S. Code 1635 - Right of rescission ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 

( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NJ)

I have automatic direct deposits of {$3700.00} every two weeks from work and automatic withdrawals into a high yield savings account following this. I recently had a reduced direct deposit of approximately {$3600.00} and thus when the {$3700.00} was subsequently withdrawn, I received an overdraft fee. And then I remained with a slight negative balance and incurred a {$20.00} every two weeks and to the point that I had over {$170.00} in fees in a short period of time. I received NO notifications, neither by text, nor email nor phone call. I asked Laurel Road to reverse the charges and they said they would only do so for one {$20.00} charge. This is predatory.
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Letter sent to XXXX XXXX on XX/XX/22 regarding the investigation of 3 Inquiries not authorized. A stall letter has been to me from XXXX stating this information did not come from me, even though I included my license and bill copy. According to FCRA U.s.c 15 Sec. 1681, I'm aware of my consumer rights concerning the investigation of unauthorized inquiries.
Consumer complaint received 2022-11-08
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: Velocity Portfolio Group (AL)

XXXX XXXX. Sent account to CKS prime to collect they found out account was related to fraud and was not mine and dismissed it and I have been trying to get it removed for two years and have sent in all the proper documentation and XXXX XXXX XXXX  still will not remove the account when they actually creditor doesnt even have a file for me and Im demanding its removed immediately
Consumer complaint received 2023-04-05
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: JPMORGAN CHASE & CO. (OH)

This company is reporting inaccurate information according to the FCRA are reporting must be 100 % accurate, 100 % verifiable, 100 % complete. This company is reporting account as a Collection, but also an open account which is inaccurate.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (GA)

I was a victim of identity theft which placed false information on my credit reports including unauthorized inquires on my Equifax credit report. I submitted the relevant information to Equifax online, e.g. an Identity Theft Report, a Police Report and did so via my verified MyEquifax account. Despite the clear requirements of Section 605B of the Fair Credit Reporting Act, Equifax has failed to block the inquiries as required by law.
Consumer complaint received 2024-04-12
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. (MI)

Hello, I am sending this due to the violations towards this company. This company has ignored my consumer rights and laws for years. I wanted to give up but I have to keep fighting. 

I explained the information on the Bankruptcy they are reporting is inaccurate. They respond is we will not investigate anymore or send back verified. 

When I told them about their lies. Now all they do is ignore me or just computer generate verified They has damaged my credit report by lieing on third parties. 

I want their Method of Verification from all parties they verified this information is correct. 
Names Phone numbers Addresses After all this investigation laws I have followed are. Other times I have placed a complaint was on XXXX and XX/XX/XXXX 15 U.S.C 1681 ( b ) permissible purpose of consumers reports 15 U.S.C. 1681 ( T ) relation to state law 15 U.S.C 1692 ( E ) false or misleading representations These laws mean some I need answers and fast answers to why they have not followed the The StatuteThe specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (GA)

Swiss ColonyXXXX XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

While filing a dispute on inaccurate personal home address information discovered today and I made an attempt for this to be corrected by me, I was advised to contact the company who provided the Inaccurate information. Therefore they denied my action to correct with them. In conclusion, I advised I would be filing a complaint with CFPB. Because I never received an email, or call, or letter ASKING FOR VERIFICATION. They automatically accepted the information provided and made the change to my credit report that was incorrect. Can you help me please?
Consumer complaint received 2022-06-17
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. (IL)

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 # XXXX : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # XXXX : XXXX Bank XXXX, have violated my rights, Account # XXXX : XXXX XXXX XXXX, have violated my rights. 

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

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I was on a payment plan plan, and never missed a payment. In XXXX they took the payment out twice one ACH that I made, and one EFT that I knew nothing about. I asked if the extra payment could be applied to the next month and was rejected. I was told by a supervisor to inform my bank, and have them ask that the funds be returned. Shortly after the funds were returned I received a letter that they would no longer accept this account. I again spoke with a supervisor who said I shouldnt have asked for the return of funds. We then had a conference call with my bank and Barclays. The supervisor told me she would work to resolve the problem, but to call before my due date to make sure my account would be honored. I did this, but the account was still honored. I then gave them a new bank account routing, account number. On the phone the account number was verified three times by a member of the accounts department, and I made the payment and received a confirmation of my on time payment. I then received a letter stating the account didnt exist. I found out from my bank that whoever entered the number added an extra digit. I then received a letter stating that my payment agreement was terminated, and that I owed additional interest. I then talked to another supervisor who said my agreement was terminated, and would not correct the account information. It is my opinion this was a deliberate attempt to negate the contract,.
Consumer complaint received 2020-05-21
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. (FL)

We called to ask about Forbearance plan, and was told information would be sent out for our review. We received a letter on XX/XX/2020 stating we have been approved for a Forbearance plan. After reviewing the information we decided this is not for us and paid our monthly payment on time and have been paying on time as our credit report stated all for the month of XXXX states No Data Show ( ND ). We are request the month of XX/XX/2020 to be shown as paid on time.