davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avant Credit Corporation (KS)

I received a notice of a debt owed in the amount of {$310.00} to Avant llc, whom was included in my chapter XXXX  filing and discharge. I contacted the creditor by phone on XX/XX/2020 upon receiving notice of this alleged debt via mail and the representatives threatened to send law enforcement agents to my residents to arrest me if I did not pay this debt. I feel that I should be protected under federal bankruptcy laws and this creditor should be held liable and punished for contacting me in regards to this debt that was discharged on XX/XX/2020. I also believe this company is selling American 's personal information to terrorist groups that reside in XXXX XXXX and XXXX XXXX territorial regions which has subsequently led me to file a complaint with the financial crimes division at the Dept. of Homeland Security.
Consumer complaint received 2020-08-27
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
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 — Was not notified of investigation status or results
Company: Capital For Change, Inc. (CT)

To Whom It May Concern : I have a loan with C4C for an HVAC System. The loan # is XXXX. I spoke with two people who swear up and down that it's against the law to update my credit correctly. I made ALL my payments early ... The loan amount is {$180.00}. I use online banking. When you use online banking, it saves your information and the next month it prompts you and says the last payment that was sent out and do you want to use this same information? It went from {$180.00} to {$180.00} I have no idea how that might have happened accept a typo which is a banking error since my checks started off at {$180.00} and then changed. 

In XXXX through their website I sent an electronic message and asked why I was being charged a late fee. No response was sent. This could have solved everything. 

Creditors have broad discretion and it is not illegal as stated by them to not mark late a payment that was short according to legislation enacted by our president. 

Sometime in the course of the payment there was s typo of -XXXX  cents and while these tow individuals say I received notices and say the almost identical thing word for word ... I simply did not get notices. If I were to receive a notice I would have corrected the XXXX cents difference. Let me ask a logical question ... Who pays early & then purposely shorts their loan XXXX cents? Does anyone believe that this realistic? Where is the proof these letters were sent? They have not provided me with any and simply stating an address isn't proof. When I noticed the shortage I sent XXXX cents which is more than was short so I was paid in full. I will attach all my payment history. 

As far as the law, we are in the middle of a pandemic as everyone else is I am affected by this pandemic and President Trump has  enacted laws stating if you pay a partial payment during this time ... you will NOT be marked late. 

I paid on time, I paid early and I was XXXX cents..Which I was told they have funds and they cover people in this manner, why during the middle of a pandemic was I not covered and notified. Now my credit took a huge hit because of their deliberate actions stating the law does not allow them to do this. The law in fact states the opposite per the President of the United States emergency declarationCOVID-19 national emergency declared by President Trump on March 13, 2020. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). and by the 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ). If a furnisher  makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, then the furnisher shall report the credit obligation or account as current.

I want my credit restored ASAP as per this law. 

Thank You, XXXX XXXX
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IN)

On XX/XX/2020 I received an email from regions bank that says {$400.00} Welcome Bonus I completed all the requirements & made the 10 transactions by XX/XX/2020 I waited after the 90 days to check on the bonus. I called 2 weeks ago after being transferred twice & spending hour on the phone Regions Bank reneged on the {$400.00} bonus. I went through a lot of hassle & stress to complete the deposit & 10 transactions by XX/XX/2020. 

I received a email that was misleading with a big Bright lime green banner that says welcome bonus. The email title said {$400.00} welcome bonus. 

Regions had a hidden fine print that was loaded with fees. Regions reneged on my bonus & gave me a - {$10.00} account that was sent on postcard..
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, I'm writing to express my concerns regarding several issues I've experienced with the credit bureau, such as incorrect account listings, inaccurate credit reporting, billing inconsistencies, and accounts that are not mine.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (MD)

On XX/XX/XXXX got laid off due to COVID 19.Reached out Servicing N Servicing Corp which is mortgage company and applied for COVID Hardship for mortgage. I filed for unemployment it took 4 mths before I received my unemployment. A month later did follow up with mortgage con they stated due to so many people being effect it might take up 2 mths before I get an answer. In XXXX that sent me a letter that I approved for 3 months deferment and then when XX/XX/XXXX I would have to pay those 3 months but from my understanding I thought the 3 months were to be added at the back end of my mortgage.Since then XXXX approved to help me they paid 1 month mortgage of {$840.00} which they just received on XXXX XXXX. Since then I contacted them and have made 3 payments and she informed that they went on my Mortgage XX/XX/XXXX and we still in Covid 19. But every statement they sent me says to pay {$840.00} until XX/XX/XXXX the new mortgage payment is {$1300.00}. I do have documentation to back up. I also applied for loan modification which was denied on XX/XX/XXXX. I spoke with XXXX XXXX XXXX which is my mortgage specialist last week even though I have making payments of {$870.00} she still say I owe {$1300.00} While i waiting to hear back from them I made a payment of {$500.00} on XX/XX/XXXX, XX/XX/XXXX $ XXXX {$850.00}, XXXX sent ck XX/XX/XXXX {$840.00}. I'm still unemployed  and I don't understand how they went up on my mortgage $ XXXXI 've attached documents. Please help.Sent Maryland Executive order from XXXX XXXX to them just as well .I have been in my home for 25 years and wish to keep my home for me and my family. THank you
Consumer complaint received 2020-06-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have pulled my credit report from all three credit companies. XXXX  XXXX, XXXX  XXXX, XXXX XXXX ( XX/XX/2020 ). These credit scores came from Annual credit Report Request Services. In getting a mortgage for a home ( FICO ) USAA credit pulled ( Annual Credit Report Request Service ), XXXX XXXX, XXXX  XXXX, XXXX  XXXX ( XX/XX/2020 ). It's being report on my FICO credit report serious delinquency. The information from my credit report doesn't report serious delinquency so, where is the FICO score getting their information. I am a XXXX retire veteran who is concern. USAA and others gives you know dispute process or any understanding of why the scores are so different. In, fact, I have never been late before are during my chapter XXXX. I only filed Chapter XXXX because, of my divorce that landed me in jail in which, I was acquitted, and the Maryland supreme court overturned. I have personal credit with USAA and I have never been late on any payments.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (TX)

XXXX XXXX who finances a XXXX XXXX XXXX XXXX XXXX  has been harassing Me with calls and when I call to discuss how my payment are distributed they blow me off and give me a ton of double talk about paying a few days late or getting extensions which I am double charged for by per diem and late fees. 
My payments are lopsided where my money paid is going to interest instead of principal, I have had this loan since XX/XX/XXXX and I demand that XXXX XXXX conduct the loan in a fair manner where I can afford to trade the vehicle or pay it off. 
XXXX charges a per diem daily if payment isn't made on due date, plus they charge a {$23.00} late fee. This is double dipping, yes? 
The loan they tell Me is a simple interest fee loan where I don't see equity on the vehicle until year 4. 

This problem is one that XXXX creates knowing customers are tied to the vehicle forever and a day because the buyer cant afford to get out of the loan. This company is a Huge Rip Off and should be penalized for taking advantage of consumers struggling with XXXX and steady work.
Consumer complaint received 2020-08-28
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. (TN)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}
Consumer complaint received 2024-10-02
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. (FL)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2020-06-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX SEQUIUM ASSET SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-06-30
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. (DE)

For the past 8 months Ive been actively trying to rectify errors on my report and XXXX XXXX  & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   XXXX XXXX, US DEPT VETS Company Inquiries : XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MI)

I am filing a complaint associated with my Barclays credit card ending in XXXX. Barclays reported a 30 day late payment for XXXX, XXXX with all 3 credit bureaus. Two payments were made which were reported on my XX/XX/XXXX statement. XXXX and XXXXXXXXThe XXXX  payment was returned due to a bank error, but re-submitted and cleared on XX/XX/XXXXXXXX The customer service representative states that the 30 day late reporting was incorrect and that it was only 7 days late, and that she believes it was a glitch in the system. I sent a letter to Barclays with evidence of the mistake ; but they sent me a letter stating the reporting was correct which is wrong. This mistake has hurt my credit report, making me pay more in interest on a personal loan as well as making it difficult in obtaining financing for a medical practice loan. I need this investigated and fixed.
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : FID INFO XXXX, XXXX XXXX Company Inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.