davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX many dispute attempts, I was unsuccessful in removing the duplicate accounts. XXXX is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Consumer complaint received 2021-10-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC (IN)

This afternoon XX/XX/XXXX I received a message from a XXXX XXXX stating that they would send my account to law proceedings to settle the balance and then insinuated that upon initial look at my account it didnt look as if I had anything attached to my social security number I took this as a threat saying that they would ruin my social security number. I have the entire email sent to me for record. 

XXXX XXXX Senior Account Manager XXXX XXXX XXXXXXXX XXXX. 
XXXX, OH XXXX XXXX : XXXX Office : XXXX Fax : XXXX Email : XXXX https : //www.reliantcapitalsolutions.com/ This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion fraudulent credit card charge : XXXX XXXX, 2020 I tried unsuccessfully to freeze my credit using their website. The website is convoluted and obviously geared to trick you into buying services you do not want. I subsequently phoned their helpline and the person I spoke with froze my credit. On receiving my credit card bill there was a {$21.00} charge by TransUnion. I never authorized this and do not know how they got my credit card number. I can only assume they already have it on file and feel it is their right to use it without my consent. Searching online, I see many other similar consumer complaints.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (CA)

For covid19 I called Td auto finance to ask for a payment deferment. They agreed to give me 2 months with out payment and they would just extend my loan 2 months and not report me late on my credit. 

They infact reported me late and are now have their collection department calling me.
Consumer complaint received 2020-05-22
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. (FL)

My name is XXXX XXXX and I am submitting this complaint myself. You sent me a response saying, " but it didnt appear to have been communicated by you or a properly authorized third party. '' That is not TRUE, I am submitting this complaint myself. I have gotten information on how to do this online, when I sent things to the bureaus some of them are telling me to do a complaint with you online with the CFPB. 

I did this complaint myself. 

The following : XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, {$1200.00}. 
XXXX XXXX XXXX, # XXXX, XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX , # XXXX, XX/XX/XXXX, {$460.00}. 

These are not mine, they may belong to someone with my name or opened via fraud.
Consumer complaint received 2020-05-22
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE (FL)

In XX/XX/2018 I entered into a payment agreement with Huntington Mortgage Company regarding one ( 1 ) late payment for my mortgage. The terms of the agreement were misleading and did not disclose that accepting the terms of the agreement would result in negative credit reports. My XX/XX/2018 payment was divided into six ( 6 ) payments, with the understanding that if I fulfilled the terms of the agreement it would satisfy Huntington and not negatively impact my credit report. Instead, Huntington reported all seven payments as late payments even though all seven payments were made on time as stated in a payment arrangement agreement. I was never told, nor does the payment arrangement agreement state that my ONE past due payment would be reported as SEVEN past due payments.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2022, I discovered that American Express had illegitimately charged a late fee of XXXX} on XX/XX/2022 - there was no notification of payment due or that a payment had not been scheduled. I promptly zeroed out the balance and spoke with American Express customer support, during which the Amex representative recognized the error of their ways and removed the late fee. Today, on XX/XX/2022, I discovered that American Express has also charged illegitimate interest, in the amount of XXXX caused by the aforementioned malfeasance.
Consumer complaint received 2022-07-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX # XXXX ), has violated my rights.

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
Consumer complaint received 2020-01-27
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. (NJ)

hello XXXX XXXXl has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TN)

I removed my fraud alert and security freeze. But Experian just minutes ago emailed me and said my account is frozen. Ive removed the freeze and requested the fraud alert be removed. Still I received a email message saying different. Why is this such a problem?
Consumer complaint received 2020-05-22
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)

In XXXX of 2019 I found out that I was a victim of identity theft and that someone had been going to school in my name, for years, resulting in several student loans being placed on my credit report. Close to  {$30000.00} in benefits were taken but none of the loans were paid off which has led to them continuing to accrue interest. 

For the past 8 months, I have tried disputing with the creditor, and credit bureaus, to no avail. I have requested that each provide me with the original contract bearing my signature to validate that the debt is mine but they have continually disregarded my request. Month after month they continue to " validate '' that the debt is mine without providing any physical proof. 

I have also sent information stating that I am a victim of identity theft, along with an FTC affidavit, an IRS affidavit, a notification from a credit monitoring service showing that my information had been sold on the dark web, as well as a police report and they have refused to block the information without any explanation of why they chose to do so.
Consumer complaint received 2020-05-22
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: CITIBANK, N.A. (LA)

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & i haven't received any investigation results.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One does not offer their credit card customers viable alternatives to contact them besides telephone. They are unable to assist with anything substantial on social media either and only offer " general '' customer service items via those platforms. It is very inconvenient for customers to have to call Capital One directly and go through their automated system to try and get a live person on the phone. Capital One should offer it's customers a chat option and secure email option to contact them after the customer is logged into their Capital One credit card account on their website. This is extremely frustrating they only offer 1 way of contact to answer questions or resolve any account items in this day and age. They have not had another viable contact method for credit cards for years now.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. 

This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Through many  dispute attempts, I was unsuccessful in removing the duplicate accounts. Experian is the only updated bureau. 

There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. 

If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Consumer complaint received 2020-05-22
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. (NY)

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, rans Union and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX : XXXX If XXXX XXXX XXXX had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the XXXX  XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB. 

XXXX XXXX XXXX is 100 % wrong on this back-dated latte payment, as once the lease was paid off by initiating a new vehicle lease for XXXX XXXX, FCRA was out of the equation and only collection remedies were in play through the FDCPA. 

XXXX XXXX