davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Edward F Bukaty III (LA)

Was contacted by Edward Bukaty, Attorney in regards to the alleged debt via mail in XX/XX/2023. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXX and i did so. I responded to Mr Bukaty via email on XX/XX/2023 to dispute the alleged debt, his association, its entirety in general. Mr. Bukaty responded with having a lawsuit filed XX/XX/2023. Mr. Bukaty was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/2023 at XXXX from a XXXX XXXX LA IP address in the city in which Mr. Bukaty practices. Mr. Bukaty and XXXX XXXX knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. Mr. Bukaty office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/2023 i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.
Consumer complaint received 2019-12-12
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for it.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX multiple errors and so inaccurate... balances and dates are totally off... therefore according to 15 USC 1681 THE credit bureaus have the responsibility to report maximum possible accuracy of the information concerning the individual about whom the report relates otherwise the report is invalid so please delete it thank you. or pay {$1000.00} fine per violation
Consumer complaint received 2021-07-15
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. (NJ)

I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OR)

My situation is Santander Consumer USA negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in MyFICO app and other report providers.
Consumer complaint received 2023-01-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (PA)

New Jersey Higher Education offset my taxes between XXXX. Unsure of the exact date, I tried for weeks to talk with someone from the IRS, they are the worse, it's impossible to speak to anyone there. I tried calling the NJ Higher Education and I keep being transferred to XXXX XXXXXXXX XXXX. When I spoke with XXXX they were so nasty and disrespectful towards me. I never received a letter of my debt of settlement paid in full. Yet, somehow XXXX is claiming that I owe them. The student loan was from XXXX. This is affecting my credit, this debt is not valid. Here we have NJ offset my taxes and now XXXX is trying to claim money from me. These practices are beyond unlawful how I was never notified they even had my account. An account that is closed, that should be closed. Please help me, I'm in the process of being a first time home owner and this is hindering me from achieving my dream. I want their scheming to CEASE AND DESIST!!!
Consumer complaint received 2019-12-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Payment Info Status Current, was past due 30 days two times Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment {$650.00} Late payments XX/XX/XXXX XX/XX/XXXX However I dont agree with reporting me past due for these two months. The reason being, I personally on numerous occasions requested a due date change. 
XXXX XXXX stated they lost my paperwork. I complained to the highest department. 
I reported it as inaccurate information with the major credit bureaus. This is impacting my score. I even signed documents to change my due date. Had my due date been changed as requested I would not have been reported late due to a 15 day grace changing a due date provides.
Consumer complaint received 2019-12-15
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. (TX)

Dear Credit Bureau : Experian I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This  incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX XXXX XXXX Date opened : XX/XX/2018 Account number : XXXX Balance : {$23000.00} XXXX   XXXX XXXX  XXXX  Date opened : XX/XX/2018 Account number : XXXX Balance Loan Amount : {$14000.00} XXXX XXXX  Date opened : XX/XX/2018 Account number : XXXX Date opened : XX/XX/2018
Consumer complaint received 2022-10-12
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. (TX)

So I Sent a Letter Off On XX/XX/2022. Here is my reference # XXXX. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people.

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2023-03-24
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WestGen Lending, a DBA of Beckam Funding (CA)

Customer service representative would not take out the payment when it was scheduled on XX/XX/year>. I am on a payment plan. I have the funds to be taken out today XX/XX/year>. I didn't know it will take XXXX business days for the funds to clear. So the lastest would be XX/XX/year>. Cusstumer service representative said no and it is always 3 business days ACH. I know this is a trial program and I don't want to miss the opportunity to document what just happened. If the funds are not available by Tuesday, your company had the opportunity to take the funds out of my account today XX/XX/year>. 

I haven't experienced a company who didn't want to take out the funds when requested on the day it is scheduled to be taken out.
Consumer complaint received 2019-12-12
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)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AL)

I have order a software through paypal merchant with XXXX XXXX at XXXX and And paypal payment went though as family and friends payment and it was supposed to be for service and goods and I have not received the software that I have ordered I have call paypal to let Them know and try to file a claim and get my money back paypal attitude has been nasty and disrespectful I have been told off saying that they mistake was my fault I have been put on hold for hours and hours I have even been hung up on I have even try to email XXXX To tell hIm what happen and still nothing
Consumer complaint received 2019-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

It appears that every credit card that I have that transferred over to XXXX XXXX  now have a very high interest rate, which is causing me to have to pay on my credit cards for years in order to pay them off. This complaint is for my Walmart master card interest rate. I have called and spoke with someone on multiple of occasions. I pay over {$1500.00} a year and less than {$300.00} is going on my balance. The majority of my payment goes towards the interest. I had a low interest rate when my account was opened. I would have never opened an account with the interest rate over 20 %. My current interest rate is 24.65 % and now I am being told that Capital One now have my account and they can not pullup any old information and to try back next week. I requested Walmart to reevaluate my account a few months ago to adjust my interest and I was later told that it was not approved. As a consumer it is unfair to agree to one interest rate and the business change the interest rate to whatever they want and they tell you that it was written in the small print when you accepted the card.
Consumer complaint received 2022-10-11
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. (TX)

Experian Credit Report Account XXXX  XXXX  XXXX, Account Number XXXX, Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XX/XX/XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

15 U.S.C 1681 Section 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 nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Paid full amount due by the due date and the next month they charge an interest fee. And so every month you try to pay the full amount due ( the interest fee ) and its impossible because they charge an interest fee the following month again. 

And if you thought you were done and didnt catch their little scheme they charge late fees for the interest on a XXXX  balance account. 

Sounds like fraud to me! 

According to their statement : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase.
Consumer complaint received 2022-01-10
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. (IN)

XXXX, Equifax and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
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Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2022-05-13
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX FINANCE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX WOODLANDS, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. $
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My mortgage is currently with Bank Of America. I was notified that my homeowner 's insurance had lapsed and that Bank of America would put force placed insurance on the mortgage. I renewed my policy on XX/XX/2019 and I have sent Bank of America servicing the declaration page showing the effective date but Bank of America has not removed the force place insurance which is being billed to me at {$330.00} per month which is a Reg X violation regarding escrows. Forec placed insurance must be removed immediately upon being shown proof of homeowner 's insurance in force by the borrower. This has not been done