davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I was the victim of a scam through my PayPal account. Scammers gained access to my account fraudulently and requested a payment for {$500.00}. As I researched the request a pop-up box came up in the PayPal application telling me to call a phone number to fix the issue. When I called the number, the individual stated that he was a paypal representative. He had access to my information and told me that they needed to secure my account and took me to several protocols, resulting in forcing me to perform a " dummy '' funds transfer from my checking account in order to fix the issue in my PayPal account. I believed that the person was an employee of PayPal because all correspondence came through the PayPal application and not a secondary entity or application, like email. I later found out that it was the scammer I was communicating with and the " prorocols '' he took mt through caused me to lose {$720.00}. When I later contacted PayPal, I was informed by a representative that they were aware that accounts had been compromised, yet I never received a notification to that effect. If a company knows that their customers ' accounts have been compromised they should do their due diligence and let the customers know. PayPal has informed me that since the funds did not come from my account with them that there is nothing they can do to make me whole. However, this scam is directly linked to their inability to secure their platform and they should be assisting affected customers in obtaining the funds that were lost.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

The complaint is in reference to my Macy 's credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called Macy 's earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (MS)

I have been unable to activate a newly issued XXXX debit card. 

I have an existing account with the XXXX and I have not been able to activate my new debit card under the existing account. I even tried to activate it under a new account and it stated " A user has already been created for this client. '' Thus, leaving me with no access to funds that should be available to me. 

I have called the goprogram.com XXXX, which is automated.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

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. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both XXXX XXXX and the ChexSystems asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-18
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. (NV)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and 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 and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item was being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? 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.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Consumer Finance, Inc. (CT)

Since my last complaint they have still yet to unlock my card. Its not my card thats been the problem, its been the card Ive always used to make my payment. Its been in their system. They have completely blocked me for months to make any payment and now have suspended my account to use the XXXX  app for making a payment.
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I previously applied for a modification XXXX, 2022, my servicer declined advising not enough income, I re-applied XX/XX/2022, I had XXXX submit all my documents for the 2nd modification on XX/XX/2022, within in 7 days Select Portfolio decline my 2nd modification, & I do not understand why, I added my Child support 0f XXXX Dollars on my 2nd requesting, thinking the additional income would help, m first request took 9 months to process my second request took less than two weeks, this tells me that Select Portfolio is not trying to help me save my home, I am a target I have lost trust with the Servicer, they gave handle my account sloppy
Consumer complaint received 2023-07-04
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. (LA)

My name is XXXX 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 accounts. 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 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Fraudulently claiming XXXX owed on a fully satisfied lease agreement. 
Company claims this is an early termination fee for lack of sufficient notice when. 

1 They received Mutiple notices 3 months in advance. 
2 They refuse to acknowledge they have received the notices despite showing them 3 They claim a 60 day notice is required on a month to month 30 day lease which is violation of Nevada State Law 4 They refuse to acknowledge all written communication that the term of the lease was satisfied in full with more than sufficient notice.

5 They knowingly used litigation trickery to lead us into a month-to-month extension on this 60 day notice without disclosure.

6 The matter is going to court and there is no amount due unless ordered The co-conspirator collection agency they use to exercise this same scam on many people is IQ Data International Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment in full on XX/XX/XXXX to Capital One for the Amount of {$2300.00} for a payment I had due on XX/XX/XXXX via my checking account. After doing so, I set up autopay using that same account. I got an email from them on the XXXX that there was another payment scheduled for the same amount, which I was not able to cancel online. I called customer service who was unable to do anything that same day and they asked me to contact my bank on next business day XX/XX/XXXX to see if they could reverse one of the transactions. I did so, but my bank charged me a fee of {$20.00}. I called Capital One that same day. The first representative was unhelpful and said that since it was a bank fee he would not reimburse me for that. I asked who a supervisor who also basically blamed me for the problem and was adamant they would not credit the account {$20.00} for their error.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NJ)

Kia Motors Finance overcharged me for excessive wear at the end of lease. I wrote them several letters and included quotes from repair shops which indicate the over charge. The threatened to report me to the Credit Bureaus and I sent them another letter restating my position. They finally came back with a reasonable settlement amount, which I paid according to the deadline they indicated on the letter and Kia Motors Finance went ahead and reported me delinquent to the Credit Reporting agencies. This was totally unfairly done and I still have this on my credit report. I would like this removed. Kia Motors Finance was found guilty in a court action of improper and unfair credit reporting practices, that I experienced.
Consumer complaint received 2022-11-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCalla Raymer Leibert Pierce, LLC (NC)

The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, McCalla Raymer Leibert Pierce , LLC gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to McCalla Raymer Leibert Pierce , LLC a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of McCalla Raymer Leibert Pierce , LLC ( debt Collector ). 

Thank You
Consumer complaint received 2023-07-04
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. (MI)

To begin, I would like to ensure you have and ONLY keep ongoing, TRUE, CORRECT, COMPLETE, and MANDATED recited facts In agreement with FCRA regulations, any and all others that possibly can be described now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all not appropriate of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it precise or unknown! 
Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any necessarily OTHER NAMES or aliases and I do NOT covet any OTHER NAMES or aliases to be retained or expressed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).

( b ) I do NOT have any preconditioned to be OTHER addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY eliminate NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any needed OTHER SSNs and I do NOT desire any OTHER SSNs to be retained o r disclosed, if A N Y blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have wish for any OTHER Dates of Birth to b e retained or communicated, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT have compliant-like salacity of or for any telephone numbers to be retained or made known, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT have ambition for any employers to be retained or reputed, if ANY exclude from reporting NOW or product PROOF of your Page 1 of 7 legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT aspire for any spouses/ roommates/ co-applicants to be retained or divulged, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( s ).
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (MS)

Consumer portfolio is saying my account is a charge off. There was not XXXX consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased a game console in Pennsylvania called XXXX XXXX  I returned the game and provided the company with tracking info and was still charged I had disputed it and was giving the money back I sented product back but still got charged then I bought a couch from XXXX XXXX but XXXX a single mother of XXXX I couldnt drag it upstairs I called XXXX XXXX back and I disputed the charge and recieved the money back and was still charged Ive never gotten the product cause I couldnt get help to dragg it upstairs this bank I was banking with was bank of Americas so the companies kept my money and Bank of America closed my account and kept my additional funds that was inside XXXX
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WI)

I was prepared to receive a deposit from my XXXX account on XX/XX/2023. After my deposit hit my account Citibank restricted access to my accounts and sent me an email stating the accounts would be closed. Within the email I was informed my accounts will be closed within XXXX days but if I believed these funds should be sent sooner than the expected closing date, please visit your local branch. Upon visiting the nearest branch, the XXXX XXXX Illinois XXXX, I had an appointment with XXXX XXXX but ended up speaking with a Teller named XXXX. I never got his last name, but was told by XXXX they were unable to verify me so I was unable to withdraw funds from the account. I stood in front of him and provided US State ID along with my SS card and could have provided XXXX additional forms of identification if needed but was still turned away. He said I would need to wait to receive the second letter from the bank and at that point I would be able to withdraw the funds from the account. Rather than leave I called the number on the original email that stated I could go to a branch to receive my funds and they stated I had to wait until the account was closed and a check was mailed to receive the funds in the account. Before being disconnected from the call by the telephone rep I asked her what date would the account be closed she said XX/XX/2023 I asked her if this was the official date. She said without hesitation that it is. If I receive this XXXX letter prior to the XXXX I will drive back to Illinois to make my withdrawal in person. Otherwise I expect a check to be en route by the XXXX of XXXX. These XXXX things were quoted to me directly by employees the phone conversation was recorded and the branch employee works at the XXXX XXXX Illinois branch.
Consumer complaint received 2022-11-28
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. (TN)

XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX Last reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP