davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Enclosed with this letter, please find a copy of Form 1099-C ( Copy B ) issued by XXXX XXXX for the canceled debt associated with the aforementioned account. The canceled debt has been reported to the IRS, and I have retained this form for my tax records. I kindly request that you remove this account from my credit report as it is causing significant harm to my creditworthiness. This negative reporting is particularly detrimental to my ability to acquire housing, as it affects my credit score and financial standing. Per guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and fair credit reporting. Given that the debt has been canceled and properly reported to the IRS, its continued presence on my credit report is unwarranted and misleading. I would appreciate your prompt attention to this matter. Please investigate and remove the inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. Should you require any further information or documentation regarding this request, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosure : Copy of Form 1099-C ( Cancellation of Debt ) - Copy B
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions.
Consumer complaint received 2020-05-21
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: The CBE Group, Inc. (GA)

I requested a Waiver of a DOD Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted XXXX XXXX XXXX XXXX XXXX & made them aware of this situation to no avail. Please rectify this for me. Thank You.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a XXXXXXXX XXXX department store in XXXX, Oklahoma. When I did not receive a bill from XXXX XXXX I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving XXXXXXXX XXXX received the check and deposited it. They never credited my account. I spent literally hours on the telephone with XXXXXXXX XXXX explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process XXXX XXXX continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from XXXX 's with Equifax on XX/XX/XXXX but never received a response from Equifax. I spent nearly an hour on the phone with Equifax today with no benefit other than being cut off after speaking with two representatives. I am am retired attorney with a high net worth. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from XXXX XXXX. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

According to XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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 University Account name : XXXX XXXX Account name : COMENITY CAPITAL XXXX Account name : XXXX has violated my rights. 

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

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. 

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/23 a person claiming to work for bank of america called and said there were fradulent charges being initiated on my account via XXXX. the money was taken from my BOA account. Bank of america failed to warn costumers of this scam, and it has been going on for months now XX/XX/23 XXXX XX/XX/23 XXXX was taken from my checking XX/XX/23 XXXX XXXX XXXX was taken from my savings
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SD)

On XX/XX/2020 I paid my lease off in full. On XX/XX/2020 ( 2 weeks later ) they debited by account for another payment. I called them and asked for a refund and why my account was debited when there was a XXXX account balance. They said they hadn't closed my account yet so it continued to debit account. I explained how crazy it was to debit an account with a XXXX  balance. They apologized and said I would have to wait 21 days to get my refund. I told them that was excessive and they said there was nothing they could do. I waited 22 days and then called to get an update and the new person said I had to wait 21 business days and that the reason my account was debited was that it hadn't updated yet to show I had a XXXX balance. The account had been paid off for 2 weeks and their system still hadn't updated it. That's not acceptable. Also I've never had to wait more than 4-5 business days to ever get a refund. With everything that's going on right now who can afford to go without {$450.00} for over a month.
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: Experian Information Solutions Inc. (GA)

This complaint comes forward as I XXXX XXXX have reached out to each in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile and they have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts that have been fraudulently placed on my credit profile after a data breach yet to no avail. I am
Consumer complaint received 2024-04-08
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)

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 or XX/XX/2023 ) on this Account Please Update the account as PAID/CURRENT. 

15 U.S. Code 6802 ( b ) ( B ) Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 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.

This account has violated my rights.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

Thank you for your help in this matter.
Consumer complaint received 2023-03-30
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2024-04-05
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. (GA)

Transunion, XXXX, & XXXX are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a Capital One venture credit card. Using the card I had earned XXXX miles. Capital One miles are stated as {$1.00} for every XXXX cash equivalent. Thus my rewards balance equated to {$2100.00} On XX/XX/24 Capital one closed my account for inactivity. No notice was received that account would be closed and my XXXX miles disappeared. 

I have a XXXX  credit score and no delinquent payments on this account. I reached out to capital one if account could be re-opened, miles transferred, or paid out for equal balance. They told me policy that miles for accounts closed are all forfeited. Their online user agreement policy says rewards are transferable, rewards do not expire, and states nothing about capital one right to close accounts for inactivity. 

I have requested the signed user agreement specific to my account that states accounts are closed for inactivity. Capital One could not be provide. After much back/forth, they offered to do a check for {$1000.00} or half the cash equivalent. This still means {$1000.00} was taken from me. 

Online blogs revealed several other customers with similar complaints where capital one unannounced closed accounts for various reasons and customers lost all their rewards benefits.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

On XX/XX/2023, I canceled an order at XXXX XXXX. The amount of the credit card charge is {$530.00}. 

I filed a dispute with Discover on XX/XX/2023, and on XX/XX/2023, Discover placed the charge back on my account. For your formation, I don't have anything from XXXX XXXX. However, Discover, will not remove the charge?

I will appreciate any assistance you can provide to resolve this matter. 

Thank you
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (IL)

Experian and XXXX continue to report a bankruptcy that is not valid. XXXX states they have deleted this information due to it being incorrect so how was it that the credit bureaus verified this information? I would like the credit bureaus to provide the evidence they have used to validate these bankruptcies.
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

XX/XX/24 Spoke to XXXX representative XXXX for DRS company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his DRS company remove this debt from my credit report on XX/XX/1924 and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY (FL)

Received an email at XXXX PM on XXXX XXXXXX/XX/year> informing me that an amount of {$8100.00} needed to be paid toward my balance by XX/XX/year> or that I was at risk of having my credit reduced and my card frozen. The card was actually frozen on XXXX XX/XX/year> shortly after receiving the above email. I have made XXXX payments in the last XXXX weeks totaling {$4100.00} that is not counted toward the total {$8100.00} requested. I currently have no minimum payment due and an XXXX history of timely payments. 

I have requested that the company provide me of the consequences of not paying upon their request and have been told that they are unable to do so given that the decision is still being reviewed by analysts. I feel that it is incumbent upon American Express to inform me as a consumer how my credit will be impacted based on a decision to pay or not pay. Without that information, the consumer is unable to make an informed and educated decision.
Consumer complaint received 2023-03-30
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. (GA)

Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

There was a bunch of fraud on my chase account. I lost my debit card and someone tried to deposit a counterfeit XXXX $ check. The check never cleared. In the meantime they managed to XXXX XXXX $ out of my money that I had on the account already. My account is restricted now its the holidays I cant spend and cash or withdraw any money. My claim number for the XXXX  transactions is XXXX. Also I contacted the executive office and my case number with them is XXXX. My account is totally frozen and I cant spend any cash
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Faloni Law Group (NJ)

Last month I received notice I was being sued by Faloni Law Group, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX, for two XXXX XXXXXXXX credit cards. ON XX/XX/2024I sent a letter by certified mail to the Faloni Law Group indicating I would like to do a payment plan. I informed of my financial situation and offered amount that I would be able to pay every month. The law firm received my letter on XX/XX/2024. 
As of this date they have not to responded my letter. I sent a second letter by regular mail on XX/XX/2024. I do not understand how they can sue me and refuse to communicate with me Faloni Law Group : XXXX
Consumer complaint received 2024-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was trying to purchase a home and I have realized there is damages to my report. According to the XXXX XXXX XXXX law there should not be any damages to my report. It is a defamation to my character. It is preventing me from purchasing my home.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX  XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Consumer complaint received 2024-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (IL)

I own a Google-branded Android phone and Google Wallet is not working on my phone. I continue to receive error messages that I have brought to the company 's attention when I try to use the necessary service to pay for goods/services with my phone ; and, despite the company saying they have been working to resolve the issue for months they still have not done so. Furthermore, Google Wallet is engaging in monopoly behavior ; google-branded Android phones only allow one digital payments wallet app -Google Wallet. But mine is not working. Therefore, I should be allowed to download an alternative competitor, such as XXXX XXXX XXXX , since Google 's is not working. But, Google does not allow this. As such, my Google Wallet account is not working ; and, because Google engages in monopolistic behavior it actively prevents me from downloading and using a competing service from a competitor such as XXXX XXXX XXXX . If Google 's internal digital payments app is not working, then as a consumer I should be allowed the choice to download a competitor digital payments app that actually does work. Google does not allow this ; this is a textbook definition of monopolistic behavior.