davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DLC, LLC (CA)

This will be going to XXXX XXXX XXXX  as well as XXXX. I have also sent a copy to CA Attorney General. XXXX XXXX XXXX. Yes you changed the terms per in writing Giving 6 months to pay off interest free As on a XXXX loan I have paid you XXXX and still seem to owe XXXX. And as I have stated multiple times. The agreement was to make a payment once a month. You received a payment in XXXX and XXXX and reporting late on Credit Report. Now when you changed the terms of it for to be 6 months interest frXXXX XXXX payment. It did not specify a dollar amount. Now I had payments of XXXX that wXXXX XXXX XXXXyment. I never receive a bill and can not pay online. I still do not have receipt of XXXX payment I had to make over the phone. You changed the terms, which is fine but you can not change terms, not be specific and expect me to be a mind reader. If I pay XXXX in one month and XXXX in the next it does not matter as I am paying it. And you can not report late when you change the terms, then do not specify amount or send statement or bill with what you were expecting. one payment for me was XXXX then you say you meant something else. Now while I appreciate I have til XXXX to pay this off interest free. You can not report late pay when I pay as you I understood what you were writing and then you say you meant a different amount. I will not be penalized and I would have paid a different amount as too not affect my credit.
Consumer complaint received 2018-01-09
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 # XXXX {$240.00} This account is unknown to me. I have disputed this account to Trans Union on as many as ( 5 ) times since seeing it on my credit report. I have reported this unknown account to the FTC and was provided with an Affidavit case number XXXX on XXXX XXXX 2015. 

Pursuant to the FCRA and the FDCPA I now exercise my right to question the validity of this debt you claim is verified but yet I have received the FULL validation documents as dictated in the creditors debt collection declaration and is due under the Fair Debt Collection Practices Act section 809 Validation of Debts. It is not just that the Trans Union can state that they have verified a debt that I know is not mine and therefore can not be validated as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). I request that Trans Union please forward their FULL Validation package to me by mail.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment  made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (TN)

I noticed negative reporting from XXXX XXXX XXXX when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt.I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and XXXX XXXX XXXX has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to validate my debt.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

Dear Collector, RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

I obtained a loan, which functioned like a credit card ( though I never received a physical credit card ), from Synchrony Bank. Upon paying the full balance of the loan, I asked for my account to be closed and for my personal information to be deleted. I was assured both were handled. Today, I received an email from Synchrony Bank concerning an unrelated matter of no consequence to me, other than the fact that I was emailed means Synchrony still has my personal information in their database. I would like 100 % of my personal information to be deleted, so I called Synchrony and was basically given the run around. The last person I spoke with informed me that Synchrony can't delete my personal information, but would never use it for anything. The email I received leads me to believe Synchrony may have suffered a data breach, meaning my information, along with that of thousands or millions of other people, may have been stolen. This is unacceptable.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX  to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following personal information that is showing for me which is incorrect Incorrect Address * XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CO)

I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had a business credit card with Captial One Bank. I spent over $ 60k on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that Capitol bank refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in Capitol Ones terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card. 


I have gotten back a response from CFPB regarding my credit card that was closed. The statement is false, it doesnt say anywhere in capital ones terms and conditions that if my account is closed my miles will be forfeited. Thats a false and a lie. I see that capital one is not there to help there customers. Ive read other blogs online that capital one closed other customers accounts for no reason. I will be going to my local news station to have them air this story. Capital one confiscated my miles for no reason. There customer service is terrible. They are not there to help there customers. I will also be filing a law suit in small claims court. Its states no where in terms and conditions that capital one has the right to forfeit any rewards if they close a customers account down. I will go to all media outlets to let customers know how capital one deceives customers into spending money on singing up for credit cards and closing them down for no reason. I will make sure my story gets everywhere and I will be filing a lawsuit against capital one. I have many news stations that are wanting to air this story how capital one just confiscates customers rewards. Ive read many blogs were the same thing happened to other customers. I paid my credit card in full and capital one fooled me into spending $ XXXX and when I got the bonus they shut my account down. It states no where that capital one has the right to forfeit my miles.