davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXAL XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are alledge late payments on my account that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc 1681 i ( a ) ] I am demanding that these items be removed. 

XXXX  - XXXX XXXX account number XXXX XXXX XXXX/ account number XXXX XXXX XXXX/ account number XXXX  XXXX XXXX XXXX account number XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AL)

Im submitting a complaint and seeking justice against XXXXXXXX XXXX XXXX  located in XXXX, XXXX. This company overcharged me for several months for a water bill between the amount of {$380.00} and {$560.00} every month while renting a XXXX bedroom apartment. Their unscrupulous behavior constitutes extreme violations of clearly established laws. They committed these hardships on me and my family without any remorse. Im suffering because they have now reported inaccurate information to the credit bureaus. Im suffering emotionally and mentally. Im seeking justice and help with this matter. This wicked pattern of unlawfulness should not be tolerated in state of Alabama and XXXX XXXX of XXXX and the city of XXXX.The defendants in the matter should be held accountable for their wrongdoings in a court of law. All of what I stated took place last year 2022 between the months from XXXX to XX/XX/2022.
Consumer complaint received 2023-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Background : Received statements with fraudulent charges- XXXX. I have worked for months to resolve this problem which was compounded by BoA refusal to speak with me or acknowledge POA. I was unable to get anything done until I made numerous complaints to cfpb. 
What is currently going on : I am still receiving fraudulent charges monthly on my father 's account. I challenged the XXXX XXXX pass and after complaining to cfpb it was finally removed. 
Just received the XXXX statement with a XXXX " XXXX XXXX '' charge on it, again fraudulent. 
I have asked, and asked, and asked BoA to take care of these fraudulent XXXX charges. This has been going on since XX/XX/2022. 
I am still receiving my dad 's charge card statements with XXXX charges! He does not use XXXX! 
I can not resolve this problem by getting a new credit card number because when my father and I both called BoA, it was probably XXXX, ( after BoA previously since XX/XX/XXXX refusing for over 30 days to acknowledge my POA and refusing to help me ) we were told that he has a POA and thus is not allowed to get a new card with a new number! So, we elected to keep the old card so he would at least have a card. We were also told by the customer service rep " why did it take you so long to report the fraud? '' So here it is, almost XXXX, and I am still trying to get this fraud that started in XXXX stopped. I can not seem to get anything done and I just don't have time for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (IL)

attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 agency can not furnish an 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 item 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.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXXXXXX. 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 an 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 item 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.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 2023-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (UT)

Affirm has contacted me 10 times since XX/XX/2023 mainly from carrier-verified phone numbers. I am submitting this complaint on XX/XX/. I only have one open account with them, so they have called me 10 times about the same exact thing. Here 's the breakdown of when they've called me : Friday, XX/XX/XXXX  - XXXX from XXXX - XXXX from XXXX - XXXX from XXXX Saturday, XX/XX/XXXX  - XXXX from XXXX - XXXX from XXXX Monday, XXXX XXXX XXXX  XXXX XXXXXXXX from XXXX - XXXX from XXXX Tuesday, XX/XX/ - XXXX from XXXX Wednesday, XX/XX/XXXX  - XXXX from XXXX - XXXX from what showed up as " XXXX, '' this one was not carrier-verified, but I answered and they admitted they were calling from Affirm. 

At this point, this feels like harassment. This is a predatory and abusive debt-collection tactic. The FTC law states that debt collectors cant call you more than seven times within a seven-day period to try to reach you about a particular debt. Then, once you talk to them, they cant call you again within seven days of that conversation. Here is a link to the FTC 's website about debt-collection practices : https : //consumer.ftc.gov/XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MA)

Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX Sincerely XXXX XXXX Enclosed : copy of State ID and ss #
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

My mom purchased a NETSPEND XXXX XXXX in a store, when i wanted to use it i couldnt because it wasnt activated, i called the company and they told me that they activated. I tried making a purchase on my XXXX account thinking it would work but it didnt so I called back and they were no help and were rude and I had been on call with NETSPEND COMPANY from XXXX to XXXX on the phone. I just want my money back. It was all my savings and I cant use my card anywhere. I am so stressed and disappointed, I worked so hard to earn my money and now I cant make a purchase because the company NETSPEND is a scamming company. They have so many bad reviews.
Consumer complaint received 2019-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (GA)

On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2019-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NM)

Current resident physician who is trying to apply for medical residency forebearance. Staff at navient is either not trained to understand what form/process is involved or do not follow through emailing appropriate form. 

This is an ongoing issue which last year negatively effected my credit score.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (GA)

In accordance with the Fair Credit Reporting act. Orions Management Group, ( original creditor, Acceptance Rentals ) have violated my consumer rights.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. 

This account was opened fraudulently in my name. I am a victim of identity theft and I did not open this account. I am not responsible for any charges made to this account. This inaccuracy is damaging to my Credit profile and it shall be removed immediately. All 3 of my credit bureaus have fraud alerts on them. I have filed an Identify theft report with the Federal Trade Commissioner and my local police department. 

Amount of Alleged debt : {$2000.00} Original Creditor : XXXX XXXX  Sold to 3 Creditors : XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX