davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

This company is reporting multiple debts on my credit report. Ive sent a certified mailed letter asking the company to verify the debts and I have not received a response. 

The debt verification letter was sent XX/XX/2021 And received XX/XX/2021
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I opened a fortiva credit card ( parent company XXXX ) via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. By XX/XX/XXXX, the account was paid in full, and no further activity was registered on the account. 

Late XX/XX/XXXX, I received an email from fortiva stating my balance was past due. At first I thought this was fraud, so I called their customer support hotline. The service representative informed me that fortiva updated their agreement with XXXX XXXX and would begin charging a {$30.00} annual fee on all open accounts. I requested that my account be closed, and asked if I would need to pay this annual fee. The representative said no, and closed the account. I received confirmation that the account was closed the same day. 

2 weeks later, I continued to receive emails from fortiva, this time stating that my balance was now {$110.00}. This is extremely upsetting and is negatively affecting my credit. It seems that fortiva is attempting to levy fees in a predatory and sneaky way.
Consumer complaint received 2022-09-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-08
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. (GA)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXDEPT OF ED 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 has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Consumer complaint received 2021-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... MLH ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-05-17
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. (PA)

Transunion and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Provide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX
Consumer complaint received 2023-02-23
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: MOHELA (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, MOHELA mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that MOHELA produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). What I am demanding right now is that you guys delete the MOHELA Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KS)

I received a text from the phone number XXXX as follows : " Your XXXX  has been charged for {$650.00} at XXXX, XXXX. If not done by you, XXXX '' This is someone impersonating Citi Bank and trying to get my personal information. I checked my card balance online, and there was no charge in XXXX. I did not call the number provided in the text.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX here ... 

Consumer Financial Protection Bureau ( CFPB ) representative- Please, if you will, open Attachment # 1 and review the " Re-evaluation of credit card dispute '' letter sent out by Bank of America in XX/XX/2020. 

The full charges which I have been strongly and adamantly insisting that are fraudulent charges ( i.e., not my charges ) totaling ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ... 

Yet, Bank of America does not agree after I asked for more than one re-evaluation of my credit card dispute. The exact wording in the letter ( as you can read ) is : " While you personally didn't make the charge ( s ) ... '' - >>> thus agreeing with me that these are not my charges and therefore fraudulent charges " ... we confirmed that it was made by an authorized user on the account or someone who has permission to use the card. '' - >>> BUT THIS IS NOT TRUE! The only other authorized user for this Bank of America credit card is my lovely wife, and she did not order over {$4000.00} worth of product online!!! 

>>> My lovely wife and I are prepared to submit sworn affidavits notarized by a Notary Public if necessary to reinforce this fact ...

=== === Bank of America has been trying to collect the debt on this card- debt which neither myself nor my lovely wife created as neither of us purchased the items on the credit card totaling the charges of ( {$2000.00} + {$2000.00} plus Foreign Transaction Fees of {$60.00} + {$60.00} ) ...

I understand that your office may not be able to adjudicate this issue, but wewould like to report Bank of America.

See Attachment # 2 titled, " Bank of America- FINAL FINISH, 11-30-2020, BoA LETTER to the BoA Fraud DEPT '' which I mailed to Bank of America to reopen the fraudulent charge case ( which I still believe is valid ) ...

God bless ...
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

SQUARE HAS HELD OVER {$30000.00} IN REVENUE HOSTAGE, TWO SEPARATE TIMES FOR ABSOLUTELY NO REASON OTHER THAN THE FACT THAT THEY SEEM TO BE FUNDING LOANS WITH STOLEN MONEY FROM AMERICAN BUSINESSES. NO CUSTOMER SERVICE IS PROVIDED, THEY DEACTIVATE YOUR ACCOUNT WHILE THEY HOLD YOUR REVENUE HOSTAGE AND THEREFORE NO PHONE CALLS ARE ACCEPTED AND THEIR EMAILS ARE GENERIC STATING THAT THEY ARE NOT OFFERING ANYMORE INFORMATION BECAUSE THIS IS A FINAL DECISION. THEY CLAIM MAYBE YOU WILL GET YOUR MONEY BACK AFTER 90 DAYS BUT MOST COMPANIES REPORT THAT THEY NEVER RETURN THE STOLEN MONEY
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NV)

The Collection Agency representing XXXX XXXX account set up a payment arrangement that was met and completed in XX/XX/2019 and it does reflect that the debt was charged off by completion of payment and no balance owed ; however it is still on my credit report as still in collections. I was informed that because I was late paying of the last payment by 30 days, they can keep it as a delinquency for 7 years. This was supposed to come off my credit report upon completion of payments regardless if it was 30 days later than when scheduled, they were paid off in full.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Hello, I filed a complaint later XXXX with the code XXXX Complaint on the consumer finance website against Wells Fargo in cooperation to get {$100.00} monetary relief from overdraft fees that was accepted and we were told that we were going to be refunded for the {$100.00} in overdraft fees on XX/XX/2021. We never received our money and havnt had any updates on when that was supposed to be arriving. 

We would like our money if possible since Wells Fargo already said that we were going to be refunded. Thank you! 

XXXX
Consumer complaint received 2021-04-06
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: Asset Management Outsourcing, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Several months ago I entered into a payment plan with Dept of the Treasury to repay an overpayment made to me through the Dept of Education ( post 911 GI BILL ). I have been paying {$300.00} ( {$150.00} biweekly ) a month for several months and this is still being reported to Experian as delinquent and a derogatory status month after month. Ive disputed this with both entities, each pointing the finger at the other.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

I have make a purchase on my Citi XXXX credit card for XXXX XXXX XXXX XXXX for {$56.00} on XX/XX/2022. The company mistake charges me {$180.00}, which is the wrong amount. I open a CITI billing dispute the first time I found the problem on my statement. I send CITI the online receipt for the store who shows the actual charge of {$56.00}, and also the XXXX receipt which also shows the {$56.00}. However CITI decline my claim since the merchant sent them some proof, but that document did even not has my name on it. It is a purchase history from another person. I called CITI immediately and the representative said CITI will reopen the dispute for me. But Until now I still see that overcharge of dispute amount {$120.00} on my credit card statement. I feel really bad as CITI is not contacting me for trying to help their customer to dispute for something clearly wrong!
Consumer complaint received 2024-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CT)

Shelpoint Mortgage Servicing services my loan. 
1 ) Despite repeated requests, they refuse to cancel the PMI on my loan. My home value has doubled since I purchased it. I have overpaid thousands in unnecessary PMI. 

2 ) In XX/XX/year> Shellpoint began a foreclosure against me. They had been refusind my mortgage payments. I can't figure out why they would do that. I was charged @ {$4000.00} in attorney 's fees for a foreclusure that never should have happened and was withdrawn within a month. I am assuming the attorney saw what had happened with the payment refusals and realized they could not proceed in good faith. I asked for an itemization of the attorney 's fees which I was not given. I requested a refund which I was not given.
Consumer complaint received 2021-04-06
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. (IL)

Please delete the account listed below in accordance with the FCRA section 605B and FDCPA. Under section 605B of the FCRA it states that this credit card should be permanently deleted from my credit profile within 4 business days because it was opened fraudulently. I have attached the FTC Complaint to this file. 

XXXX XXXX XXXX Account XXXX
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (AR)

XX/XX/2023 I sent {$860.00} to my friend via CashApp. The payment shows " completed '' in my CashApp account, but on her account it shows " pending. '' To this day, it never made it to her and it still shows " pending. '' Despite the fact that it is MY money that never made it to the recipient, CashApp refuses to talk to me about it because her account is not my account. She has tried multiple times to raise tickets, fill out their forms, etc and STILL they tell her that she just has to wait. It's been nearly three months. Because this payment was for things I purchased from my friend, I had to send her the money AGAIN, so I am the one who is financially harmed by CashApp 's lack of ability to complete this payment. Also note, this happened to me once before -- for no apparent reason, the payment did not complete and in a few weeks they admitted their fault and finally pushed it through. This time, though, I don't believe they're ever going to rectify the situation. I will no longer use CashApp, that's for sure, but I need that {$860.00} back or for it to be sent to the intended recipient so that she may refund it to me.
Consumer complaint received 2023-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. 

It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. 

If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. 

I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.
Consumer complaint received 2021-03-29
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. (GA)

Ive been a victim of identity theft, Ive sent FTC report to both XXXX and Experian. The following account doesnt belong to me. Please see attached copy of FTC report.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.