davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (VA)

TODAY DATE XX/XX/XXXX XXXX credit bureau CREDITOR REGIONAL ACCEPTANCE CORP Account number XXXX CREDITOR bankruptcy XXXX XXXX According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. 

PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. 

THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. 

FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. 


SERIOUS ERROR IN YOUR REPORTING. 
PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. 

ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. 

UNDER FEDERAL LAW, YOU HAVE THIRTY ( 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 FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. 

THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH XXXX, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. 

ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 

30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. 





THANK YOU XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Paypal Holdings, Inc (PA)

In XX/XX/XXXX I had a negative PayPal account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when PayPal sold the debt, but on XX/XX/XXXX I was sent a letter by XXXX XXXX XXXX stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

I made a purchase from XXXX using Affirm for {$5000.00}, with a monthly payment of {$410.00} in XXXX of XXXX. 

Around XXXX I logged into the account with the intention of paying it off in full. However, when I logged in I noticed a credit card and purchase associated with my account/phone number that was not mine. I contact Affirm and filed a fraud/dispute claim. I was told that I would be contacted in 5-7 business days. I was never contacted. But they continue to withdraw {$410.00} from my account every month. 

In the months since I have repeatedly tried to log into my account both through the phone app and online. After numerous ( successful ) two-factor authentications, I am notified that I am locked out of my account. I call Affirm, and each time, after a very long hold time, being disconnected at least once, and going through it all again, I reach a person that will " notate my account '' and I am told that I will be contacted in 5-7 business days. I just got off the phone with them again. XX/XX/XXXX. It is still not resolved, I still can not log into my account. The fraud/disputed purchases are still associated with my account... nine months later.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

I am trying to set up my PIN for my Business Debit card and the customer service department keeps giving the run around on who should help me. They gave me 4 different phone # to setup PIN ( XXXX, XXXX, XXXX, and XXXX ). Every time I called each number and i would put the correct info in then it would say it is wrong and send me to customer service. At the end of the day after trying multiple times the last customer service lady told me when I asked to speak to her manager she said it will take 20min before I can speak to a manager. After giving her an opportunity to help me she pretended to not hear me and hung up the phone. VERY BAD CUSTOMER SERVICE!!! They can't do a simple thing like trying to get my PIN setup. I don't want to do business with them.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (TN)

According to the ( FDCPA ) this 3 party collections company is breaking laws I told them to stop contacting me and they still contacted me through email because they could not validate the account correctly they do not have any contract with me and they also stated that they do not own the account!!! I contacted the original company which is summit park apartments they stated that the account was written off as a cancel of debt. So technically this 3rd party collect company is trying to collect on a debt thats been canceled. They against the ( FDCPA ) laws also The ( IRS ) laws there was a 1099-c form filed own the debt for a tax break for summit park apartments. The 3rd party company do not have any real documentation for holding this account on my consumer report they must delete this account at once the original credit also stated that they do not own the account as well so it must be deleted this account is satisfied as cancellation of debt.Which the ( IRS ) identify as Earned income so National credit systems has lots of cases where they breaking law of the ( FDCPA ) ( FTC ) as well
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 in to be removed. 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. XXXX XXXX XXXX XXXX  AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I entered into a Special Covid 19 Forbearance in XX/XX/XXXX. I was approved and granted the forbearance. I extended my forbearance XX/XX/XXXX as indicated by XXXX/Cardinal Financial to do- it ws extended. I called on XX/XX/XXXX to extend again and spoke to an agent named XXXX who advised under FHA I have 12 month eligible to extend and I was granted the extension. I started receiving email and mail correspondence in XXXX stating due to no contact with the lender I was kicked out of my Forbearance. I immediately called XXXX/Cardinal and requested my call on XX/XX/XXXX be reviewed and listened to and explained I did call to extend. They then told me I was not in Forbearance and I needed to apply and fill out the Loss Mitigation package. I did as they requested and received a " complete package received, loan is in review letter '' on XX/XX/XXXX. In my loss mit package I was asked to fill out an affidavit and I indicated I should have never been kicked out of forbearance and again asked for a supervisor to call me and review the call on XX/XX/XXXX. I continued to call 8 more times over the last few weeks asking why a supervisor or SPOC agent has not called me and the reply is they don't know all they can do it put in a request to the supervisor or team lead as the agent and refuse to escalate me to a manager right then and there. I have emailed the XXXX 3x and have asked for a supervisor to call me and the SPOC agent to call me, not one call from any one at XXXXCardinal has been placed to me in regards to this issue. I would like a supervisor to call me and a resolution to this matter so my home does not go into foreclosure status.
Consumer complaint received 2023-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Account name CREDIT ACCEPTANCE CORPORATION Account Number XXXX Account type Auto Loan Open Date XX/XX/XXXX Status Repossession. 
{$4.00}, XXXX past due as of XX/XX/XXXX. 

The original amount for the car how much Ive paid a {$2000.00} down payment on this car and {$1000.00} plus in monthly car payments They didnt adjust or factor in my down payment Instead they added debt intentionally disregarding the amount of my down payment within the cars total value and reported amount This car is a result of an write off on this companies taxes then a pay off from this companies insurance provider and the purchasing bid price from the auction Has paid for this vehicle there is no money owed I believe that Im the one who is owed a surplus for the debt and for the differences left on the car
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (WI)

Dear CFPB my grandson figured out my cell phone 's password and while playing video games proceeded to make XXXX charges with XXXX XXXX, and XXXX via XXXX in the amount of {$1800.00}. The charges were incurred from XX/XX/XXXX through XXXX/XXXX/XXXX. I did not authorize these charges and did not have knowledge that my credit card was being charged, until I received a statement from the credit card company on XX/XX/XXXX. I consider these charges as unauthorized, no different from fraud. When I received my statement, I contacted the credit card company and informed then of the unauthorized charges and asked to cancel the card. I also asked how this matter could be resolved and they told me to contact the vendor. I contacted XXXX, they asked me to file a complaint. After a few days, I was notified by XXXX stating that they would not credit or reverse the charges to contact my credit card company ( CitiBank ). While filing these complaints with XXXX and CitiBank ; XXXX notified us that an additional XXXX charges were made between XX/XX/XXXX through XX/XX/XXXX in the amount of {$2000.00}. I took the necessary steps to remove access to the device, but the damage was done. I was never notified that these charges were being accrued to my credit card. I have not paid these bills, and CitiBank has threatened me with credit reporting. I would like the CFPB participation in resolving this dispute if possible. I think that I should have been alerted of these charges the first day which they occurred and can not be responsible for unauthorized use of my credit credit card information. I can't possibly be the only consumer to have experienced this type of unauthorized charges. I look forward to your response. Regards, XXXX XXXX, XXXX, ( XXXX ) XXXX.
Consumer complaint received 2023-05-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hey Transunion, I was looking over my report XX/XX/24 and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b  ) XXXX XXXXXXXX XXXX  XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. There are fraudulent accounts and inquiries listed on my credit report that I did not authorize. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Experian/Equifax/TransUnion Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ) Capital XXXX Open XX/XX/XXXX XXXX ) XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? 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 ) & 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately 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 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Serious Negative delinquency from citi bank on behalf of best buy falsely charging me an annual fee when i dont have any best buy accounts transaction is 2019 or older please show me documentation Showing proof of transaction showing I was ever late to Support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. 

the FCRA allows 30 days for this to be rectified
Consumer complaint received 2023-04-18
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. (RI)

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 U.S.C. 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXX XXXX  Acct # XXXX - {$700.00} Account Name : XXXX XXXXXXXX XXXX - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX  - Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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.