davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

I have three credit cards with American Express was cancelled after pandemict, i never stop to paid, just i paid two cards in full and other request financing in accordance finantial situation. 
My credit card score always is affected my life becouse this report show that i am not right paiment, i request several time to American Express fix this situation and they said is a company desition that affect all economical process and they have hight rates. 
Is not fear when always a paid on time they can destroy my life and business.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax is inaccurately and fraudulently reporting on my credit. I had an account with XXXX XXXX, the account has been paid and closed. I am including the PIF statement from XXXX ; their name and logo with my account information are clearly marked. Equifax is reporting this as a collection when it is not. I do not have an account with XXXX XXXX XXXX, I have never had an account with them, and there is no collections, as the account was closed with XXXX, in good standing, and paid in full. I never owed XXXX XXXX XXXX money. This needs to be removed immediately under the FCRA, because it is inaccurate.
Consumer complaint received 2023-02-22
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 these accounts have violated my rights.

According to 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 reason. 

Account XXXX XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX Account Number XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
JEFFERSON CAPITAL SYSYST XXXX
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Southern Auto Finance Co (TX)

On Saturday XX/XX/2023, around XXXX XXXX XXXX I received a call from SAFCO a rep named XXXX. I was told the call was being recorded and I also told XXXX I was recording the call and since there was no rebuttal from her, we continued with the call. She was calling about a late payment. I just happen to forget paying it and that made it XXXX  day past the due date which is the XXXX of the month, although I told her it would be paid before the day ends. I asked about a grace period and was told that there is no grace period. However, businesses are supposed to have a grace period ( XXXX  days ) according to my research. Since SAFCO is in Florida, Florida law pertaining to grace periods on a used auto loan is centered around Florida 's XXXX grace period. 

Now According to 15 U.S. Code Sec.1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Therefore, I am making this complaint because it is XXXX.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (MO)

15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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)

This is the second time I've corrected 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 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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I Have sent in my dispute letters to get these late payments removed. I wait the 30 day window to hear back and they sent me mail saying they updated my account. When I reviewed my credit report I noticed there weren't any updates with late payments. they were still on my report under my accounts. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX- XXXX XXXX XXXXE- XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written Instructions. 

15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as alate for any reason.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$5400.00}
Consumer complaint received 2023-02-06
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 2023-02-06
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX
Consumer complaint received 2023-02-22
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 (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX XXXX  2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is complaints against Wells Fargo. 
the bank put me into property tax escrow account and set monthly amount of {$1600.00}. 
I have paid off the total amount of XXXX with monthly mortgage payment since XXXX, XXXX. I have be be out of the escrow account, but still hold me in the account. 

I was not default property tax at the time they notified but behind the late fee of {$240.00}. for which I appealed for wave the fee because of Covid 19 hardship. 

Checking my records for property tax, I have found the bank paid the tax on my account of {$2400.00} on which I have already paid. The payment was double payment for my account so the tax office returned the refund to me which I was not sure what it was and I kept it. I have paid any tax bill in advance for the second installment last XXXX. 
The bank this time again paid tax on my account, which is double payment and I notified I had a refund check to where I can send back, no answer yet but they refuse for my regular mortgage payment for XXXX. 
this is my complaint and remove me out of escrow account.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (WV)

I opened an account and closed it shortly after. In person. I signed papers. Now I'm receiving emails saying I have a credit card or an open account. I have called these people several times in my city and they don't answer the phone. I don't know what else to do.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I ordered a new pair of shocks for my XXXX XXXX XXXX  with mag ride for XXXX dollars. On XX/XX/XXXX I received the package. On XX/XX/XXXX I went to install the passenger side rear and when the car was turned on I received a suspension error message. I asked for a refund since I was within the company 's refund policy. I stated I would return them once a return label was received. The seller and I went back and forth for 2-3 days. He wouldn't sent a return label. XX/XX/XXXX I filed a chargeback with Wells Fargo Bank. XX/XX/XXXX I received a letter from Wells Fargo denying my claim. Called Wells Fargo and was on phone for almost 30 minutes attempting to plead my case. Was transferred to upper management and apologized to. Told the claim was approved now and everything is taken care of. XX/XX/XXXX I received another mail. Letting me know I'm going to have XXXX dollars removed from my account. The claim was denied. Double the original provisional credit! Called immediately and they stated I didn't submit " proof ''. That I should have never been told the claim was approved. Now it has been submitted to another level of management to review the phone call.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

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 2023-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) XXXX XXXXXXXX ( XXXX XXXX. XXXX ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of XXXX ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information. 

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes.

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

After reviewing my credit report, I recently requested validation of alleged debt with the company. I received the original contract with my signature, payment plan, payment history and a detailed treatment plan. Upon reviewing all medical documents from the company, Allied has not provided proof of the requested HIPAA release form signed by me for XXXX XXXX to release personal medical documents, such as detailed treatment plans, to Allied Collection Services and is a HIPAA violation.
Consumer complaint received 2023-02-22
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NY)

HWarfield at XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.