davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (SC)

On ( date provided in letter ) I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

on XX/XX/2021, I accidentally didn't have the amount of money in my XXXXXXXX XXXX  account to pay the automatic billing I set up for the statement balance ( {$830.00} ) of my Citi Costco credit card. I then contacted Citi customer service via chat on XX/XX/2021. With their help, I coordinated a manual payment to make up for the failed payment on XX/XX/2021. The customer service representative confirmed that I was taking the right steps to fix this issue. However, on XX/XX/2021, I noticed that Citi attempted to charge me for both the manual payment, and had the automatic repayment try to re-charge me again. This resulted in having {$830.00} taken from the checking account on XX/XX/2021, and a second and third attempt to extract another {$830.00} on XX/XX/2021 and XX/XX/2021. These XXXX attempts failed, causing {$25.00} each in overdraft fees. I spoke to Citi on XX/XX/2021 about this and they only told me that they failed to get payment on XX/XX/2021, implying XXXXXXXX XXXX failed to pay them. I checked with XXXXXXXX XXXX  and confirmed that they did pay Citi. Citi did not tell me at this time that they were charging me twice. They also told me that the statement was paid and they would no longer attempt to charge my account. They then attempted to extract the second payment again on XX/XX/2021, this time successfully drawing {$830.00} from my account, in contradiction to their previous statement that they would stop charging my account. The end result was that Citi charged me for the same amount twice, and this unexpected charge led to {$50.00} total in overdraft fees. They also took {$830.00} from my account that I had not planned on giving them at that time. They then proceeded to deny me reimbursement for their mistake and told me that the fees were from XXXXXXXX XXXX and they could not reimburse me for those. They also deflected on returning the {$830.00} they took from me, until I ultimately conceded to allow them to apply it to my next credit card payment. They did not take responsibility for the double charging, even though I followed a procedure I specifically asked them was okay. They denied reimbursement for their mistakes. They denied make mistakes, and shifted blame onto me when I was specifically following a procedure I had verified with them to handle my failed payment on XX/XX/2021. Their customer service was outrageous at times constantly shifting blame onto me and XXXXXXXX XXXX I was extremely dissatisfied with how Citi handled these issues. Citi also did not allow me to get chat transcripts of my conversations with their customer service, I was only able to get them by copy and paste, which was annoying.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX XXXX  and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a XXXX XXXX XXXX  and I kept requesting for a XXXX and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my XXXX credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that XXXX had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted XXXX customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both XXXX and Transunion have refused to delete the late from my record.
Consumer complaint received 2022-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Acceptance Corporation for committing aggravated identity theft. I have never given Credit Acceptance Corporation any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt that claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e12.

I have never received any documentation requesting validation from Credit Acceptance Corporation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to, 15 U.S. Code 1692d4 which the FTC defines as debt parking. If Credit Acceptance can not provide me with proof such as a tracking number that they attempted to lawfully validate this debt with me, the consumer, prior to furnishing it to my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Acceptance Corporation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Acceptance continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 

XXXX : XXXX XXXX XXXX XXXX Without Prejudice. All Natural Inalienable Rights Reserved
Consumer complaint received 2022-07-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (AL)

The last time they reported it was on XX/XX/XXXX but the debt was due to a car crash that happened to me in XXXX of XXXX. I attempted to dispute the charge with the XXXX XXXX through XXXX already due to the registered disaster of COVID 19 It has left me unable to pay the {$3000.00} debt. They didnt accept my dispute even though my reason clear and true because COVID 19 has effected me and several thousands of Americans in unspeakable ways. I find ridiculous that Credit Bureaus are putting COVID 19 as a dispute option if theyre going to say its invalid in the end. I need something to be done about this debt immediately because its ruining my credit score and the hospital has called me threatening to hurt my credit in the past already. This is ridiculous.
Consumer complaint received 2021-03-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CO)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2022-06-09
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. (LA)

I sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Consumer complaint received 2022-07-28
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. (PA)

This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( XXXX ) which follow : XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of XXXX of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 XXXX XXXX with Date of Inquiry of XX/XX/2021 My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( XXXX ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (OH)

I contacted Loanme to payoff my loan on XX/XX/XXXX as they were charging me 210 % interest on my loan. She took the payment over the phone. Went to see if my loan was paid off the following day and they charged another {$25.00} on my account. They do not allow you to make same day payments, which they are charging interest daily and the loan will not allow you to pay it off at this rate. 
Also the loan was made on XX/XX/XXXX, they have taken {$170.00} out of my account biweekly. 
This is how my loan has been being applied : They have only been applying {$.00} to {$1.00} to principal with biweekly payments for 8 months. 
Date Description Principal Interest Other Total Payment Balance XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Regular Payment XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open New Loan XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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. (GA)

On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/Capital One is reporting a debt on my credit file on my credit file, that I do not owe. 
I recently checked my credit file and noticed this debt, I immediately called to verify this debt and I paid it off. Not once did I receive any notifications about this debt, phone calls, or any letters. This is pure violation of my 30 day right to dispute per the FCRA. I am requesting this debt/account to removed off my credit file for the terms of violation.
Consumer complaint received 2022-07-28
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. (TX)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
CHILD SUPPORT ENFORCEM XXXX Balance Owed : {$0.00}