davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 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 2023-04-17
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these unverified and unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

1. I have disputed this account for inaccurate information, yes XXXX  and Experian have not responded with accurate response.

2. In the payment history is says that the last payment is XXXX but the payment record it shows payment was made XXXX XXXX. XXXX is reporting inaccurate information. 

3. The Date of Last payment shows XX/XX/XXXX and says XX/XX/XXXX, yet the date last active XX/XX/XXXX - XXXX is reporting inaccurate information. 

4. Date Open : XX/XX/XXXX - Is not accurate. 

5. Balance Owed : {$7800.00} is inaccurate I'm requesting that accurate account information be presented and changed, or this account taken off my credit report, due to inaccurate information. This is a violation of my rights.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Activehours (NV)

This is not about a mobile wallet and there's no option for other but i have been using a mobile app. Its called earnins. Earnins is a service that let 's you borrow money before payday ... its a payday app and I have a limit of XXXX dollars on there and I only borrowed XXXX including small tips and they are trying to say that I owe them XXXX on my next payday. I never borrowed that much money. Thats my entire paycheck. So they get a hold of my bank account information and they are going to steal everything from me now. I need help pretty fast because that's my rent money and everything to live off of for 2 weeks. I would be drained out if every penny I have to even eat with. It's a payday service.
Consumer complaint received 2018-05-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance account number is not fairly and accurately reporting to XXXX XXXX and until recently XXXX.The problem is my late payment history which reports vastly differently on all 3 credit bureaus.I have attached the recent bureau reports within the last week for proof.

The late payment history occurs not from my ability to pay ( I could afford 5 or 6 XXXX dollar monthly payments ) but from a technical problem with auto-pay, the Honda website and my banks ' security problems with large online payments.I will send a payment in and the bank will tell Honda to send it back and HONDA DOES.I never received notice of the numerous incidents in time to avoid the lates.It became confusing but now I attend to each payment as if my bank and Honda wouldn't do their jobs correctly.

I would like my credit reporting to be altered to acknowledge the above and would hope that my payments would always be credited on time.XXXX has only 1 late but the others have more than 10 yet they are all different months with the exception of 2 or 3.Please see attachments.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I refer to the attached XXXX  Credit report file number XXXX  dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX  Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX  Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (OH)

Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NC)

I have a complaint against Citibank, servicer of Best Buy Visa Credit Card, which was opened in 2016. Everything was fine but unfortunately, I had my hours cut and tried to work out an agreement with them, since their payment dues were excessively high, out of proportion and unfairly billed. After several attempts to work out things, my account was closed and placed under a payment program of {$50.00} a month until paid in full. Unfortunately, once again, my hours were cut again at my workplace and tried to negotiate to settle my credit card debt by either pay off half of it or cancel the whole amount owed, which repeatedly refused to do so and insisted in charge me the full amount, regardless of my current financial situation.

Since I followed the advice of working out with my creditors during financial challenges, unfortunately, Citibank has been reluctant to work to help me in this tough time. I do the best I can to meet ends, but what if I lose my job and I am not able to do so?
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focused Recovery Solutions, Inc. (VA)

Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical  records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After filing one complaint against XXXX XXXX XXXX, I am now complaining about how Capital One Auto Finance is handling my payoff to XXXX and generally, my new account with Capital One. Weeks after telling me they have sent a payoff to XXXX, nothing has happened, except that now I have not one, but two car payments due in XXXX. 
The delay is costing me money in interest on my XXXX account, but also it is an outrage that I am still seeing payments to two separate companies for the same car in the same month, a total of approximately {$380.00}, with the first of the two payments ( to  XXXX XXXX still showing due on XXXX. 
I can not understand or accept why sending a payoff check and crediting it to my account can be so difficult.
Consumer complaint received 2018-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NY)

XXXX  is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've already filed a complaint with the consumer financial protection bureau and they sent my request to transunion. Transunion denied my request to remove the fraudulent inquiries effecting my credit. The inquiries are probably from transunion themselves when they fraudulently added mins information to people 's credit line when their servers failed. ( I have have tried countless times to add my last four numbers of my social security number to the next page and it doesn't allow me to do so )
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (OH)

i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3.  Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Consumer complaint received 2023-04-07
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. (PA)

online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I've attached a 2 page PDF because this issue has gone on for months. 

In summary, Mohela promised me for months that I would be entitled to a 0 % interest benefit once I reached a XXXX XXXX. When that day came, however, they quickly denied the benefit. To date, I've received around 6 denials. I knew the basis for the first denial was improper right away, as soon as I pointed this out they gave me another basis. They told me a federal regulation disqualified me from the benefit. 

I asked them what specific regulation or guidance they were relying on around 10 times and they refused to supply one, only ever giving a blanket denial and saying " a federal regulation ''. Finally, after I explained that I'm not only a XXXX, but also a XXXX, they put me in touch with a Director who told me all the previous denials were baseless. 

If it was this hard for me to get the benefit I'm entitled to, I'm sure they have denied hundreds of other XXXX access by lying about federal laws they made up. One of the messages was from a supervisor who said I should have been denied from the beginning and the Veterans Liaison team had since been trained to do so. I'm pretty sure this is the basis for a class action lawsuit, if any other XXXX have been hurt.
Consumer complaint received 2018-07-24
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. (CA)

I promptly disputed my Equifax credit report file because it contained two entries that do not belong to me. I filed the online form for the dispute. The results were made available to me on or about XX/XX/2018. Accessing the dispute online was very difficult, but was eventually able to see the results. Equifax said that the account belonged to me. 

On XX/XX/2018, I wrote Equifax a letter detailing why the information was incorrect and asking for a description of the procedure used to determine the accuracy and completeness of the information and for them to correct my credit report. I have received no response from this credit reporting agency.
Consumer complaint received 2018-07-24
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: TD BANK US HOLDING COMPANY (NC)

TD Bank XXXX has done some illegal ReAging of my account that was opened XX/XX/XXXX and closed XX/XX/XXXX and charged off. I've disputed this multiple times through XXXX  and XXXX to take a look at this reporting because how can an account be closed XX/XX/XXXX but my first delinquent date was XX/XX/XXXX and no reporting prior to this date. It's strange XXXX  got this item deleted but not XXXX  and XXXX who keeps giving me a hard time on this disputed item. TD Bank updated my report saying I recently made a {$28.00} payment and that wasn't true either. This has caused a lot of frustration and stress with trying to rebuild your credit and negative reporting is happening causing consumers to miss out on jobs, higher interest rates, and discouragement when trying to only rebuild their credit. Im sure I'm not the only consumer going thru this illegal re-aging with XXXX  and little help from XXXX and XXXX.
Consumer complaint received 2023-04-17
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. (NJ)

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 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. XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (TX)

Today I have looked at my consumer report and this company online information services is on my consumer report concerning a debt that has already been removed from my consumer report regarding XXXX XXXX. Online information services who is a 3rd party debt collector has not sent me any written communication concerning this alleged debt. This is a violation of my consumer federal rights. Under the privacy act pf 1974 no one is suppose to purchase or sell any of my private information and XXXX XXXX continues to do so after they have been removed from my consumer report. Per 15 USC1692c states that without prior written consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with consumer in connection with collector of any debt. I do not know this company who have stole my identity. I have never went into any agreement with this company. I opt out any reporting of my private information from this company called online information services on my consumer report per 17 cfr 248.125. All obligation belongs to the united states per 18 USC 8 and stealing identity to gain money from a consumer is a crime 18 USC1028.XXXX XXXX  has done a XXXX on this debt and has been paid 10x without sending me copy b of the XXXX  that was filed. XXXX XXXX has also been deleted from my consumer report. This item does not belong to me and if I have to contact the sec.gov I have no problems in doing so because both companies are committing fraudulent activity by stealing consumers information to make money that does not exist according to hjr 192. I do not owe this debt and this is fraud and identity theft. My privacy has been compromised per privacy act 1974.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc (AZ)

On Friday XX/XX/2023, I was called by ABC Fitness Solutions 3 times in a row between XXXX XXXX XXXX  time. Not only has this company harassed me, but they violated my right. A debt collector can not call before XXXX or after XXXX. They will not let me cancel my membership for XXXX XXXXXXXX XXXX XXXX XXXX because they said I have a balance.I have not worked out at this gym.