davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

On XX/XX/19 I received an email from XXXX, a collection agency. I asked for a telephone number to call as well as detail in the debt. I was given a name that represents 80 different online lenders. I am not certain of the validity of the debt. I was instructed that I must pay with a XXXX prepaid card. This seems suspicious to me, plus the fact they will not give me a telephone number to call and talk to a representative. When I stated this was suspicious, they sent back an email stating an arrest warrant would be issued.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My complaint is against Capital One Bank regarding account # XXXX XXXX ending in XXXX, open XX/XX/2019 status open. I have always been a loyal customer to the mentioned company and personally like making business with them. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to Capital One what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if Capital One Bank does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. So please Capital One help me here, I could be a fraud victim and I might not even know it. Plus, I have never been late with the company before. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. Thank you!
Consumer complaint received 2024-09-15
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. (GA)

I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : 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 These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.
Consumer complaint received 2019-10-22
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)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I had a Mortgage with XXXX  XXXX XXXX that was sold by XXXX XXXX XXXX to have M & T BANK several years back. Once M & T Bank took over the Mortgage loan ; Hurricane Irene arrived, and wreaked a lot of damage to my home, located in XXXX Florida. After fighting for over two years with XXXX XXXX XXXX XXXX XXXX to get damages covered ( with the help of a professional adjuster and an attorney ), I finally got a settlement to replace my damaged roof ( not enough money to cover the Hurricane Irene damages, but close enough to begin roof  replacement with the help from a personal loan ). The XXXX XXXX XXXX XXXX XXXX settlement check was made-out to my wife, myself, XXXX XXXX ( HELOC mortgage lean holder ), and M & T Bank the main Mortgage holder. XXXX XXXX did not hold the check, but issued the required signature for the release of the XXXX XXXX XXXX XXXX XXXX funds. The signed check was sent to M & T Bank Mortgage in XX/XX/2019. 

In early XX/XX/XXXX, I was advised by several M & T Bank Mortgage personnel to submit a list of over twelve documents to M & T Bank. I ended-up filing over twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', and through Certified mail ( Claim Tracking # XXXX ). I have had to file the twenty-pages via Fax, and via M & T Bank web page " XXXX XXXX XXXX '', over-and-over again to insure that they have received required documents. 
M & T Bank still will not release the funds to replace my roof, even though my roof keeps leaking, and further damages keep surmounting. 
Many dozen phone calls have been placed and documented to try to get M & T Bank to comply with the releasing of the funds to begin roof replacement work, but to no avail. Almost every instance I call M & T Bank, I am advised that the case is still being looked at. It is the only answer that I normally get. 
Besides filing a lawsuit against M & T Bank, I do not know what other options I may have. Please Help.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

The XXXX County court ordered me to pay XXXX XXXX in the rears and made an adjust to the monthly payment. The state of North Dakota is reporting me 120 days late from the time the Judge made the order. Judge made a provision for the back XXXX XXXX XXXX of 10 % to be an addition to the XXXX ordered monthly. I believe the first payment of XX/XX/17 was the first actual payment that could be made. The State of North Dakota Department of Family Services is has damaged my ability to get financial capital to be able to pay off this debt as it has adversely affected my credit profile. I reached out to XXXX XXXX the case manager on 2 accessions over the phone as well as other people in the Department and said basically they didn't care how it was reported and would not correct the errors. I also would like to have the accounting of the payments to be reviewed to make sure the balance is correct. 
case XXXX XXXX XXXX County North Dakota Pages 11-16
Consumer complaint received 2019-10-22
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. (MT)

I recently reviewed my credit report and I observed that XX/XX/XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XX/XX/XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Consumer complaint received 2019-10-22
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. (MT)

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

I received a notification of statement from XXXX on XX/XX/XXXX which stated that some of my Federal Student Loan payments were due on XX/XX/XXXX. This broke not only the XXXX notice mandate, but also the mandated payment freeze which lasts through XX/XX/XXXX, at a minimum. 
Mandates are even noted on their website. 
I contacted them to find out why. The agent I spoke with could not give a reason, just stated that they could not change the due date because thats what it is.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX DEAR TRANSUNION, I AM DISPUTING THESE TWO ACCOUNTS AND REQUESTING A 1099C FORM FROM BOTH COMPANIES. THESE ACCOUNTS ARE LISTED AS A NEGATIVE ITEM ON MY CREDIT REPORT AND SHOWING AS A WRITE OFF. ACCORDING TO THE LAW THIS IS ILLEGAL AND I WILL BE REPORTING THEM TO THE IRS. THE COMPANY HAS ALREADY WRITTEN OFF THE DEBIT SO IT SHOULD NOT BE REPORTING AS A NEGATIVE ITEM AND THIS IS CONSIDERED FRAUD. THESE COMPANINES ARE VIOLATING FCRA 15 USC 1681EB FOR REPORTING INFORMATION THAT IS NOT 100 % ACCURATE. I AM REQUESTING 1099C FORM 15 DAYS FROM THE DATE SENT AS I HAVE ALREADY CONTACTED AND REQUESTED 1099C FORM FROM THE COMPANINES WEEKS AGO. 

XXXX XXXX ACCOUNT WAS PAID IN FULL AND ALSO LATE FEES WAS REMOVED FROM THIS ACCOUNT. I WAS INFORMED THAT THIS WOULD BE UPDATED AS THE BALANCE IS INCORRECT, THE ACCOUNT STATUS IS INCORRECT AND THIS IS ALSO SHOWING AS A WRITE OFF THAT IS REPORTING AS A NEGATIVE ITEM AND IS ALSO TAX FRAUD.

I AM REQUESTING THAT THIS IS INVESTIGATED AND UPDATED/REMOVED FROM MY CREDIT REPORT. TRANSUNION HAS BEEN LYING TO ME SENDING THE SAME AUTOGENERATED EMAILS AND LETTERS STATING MY ACCOUNTS HAVE BEEN VERIFIED WHEN THEY INDEED HAVE NOT. I AM REQUESTING THIS INFORMTION TO BE UPDATED OR REMOVED 15 DAYS FROM THIS DATE AS I HAVE ALREADY SENT OUT LETTERS TO THESE COMPANIES WEEKS PRIOR. IF THIS INFORMATION IS NOT UPDATED/REMOVED IN 15 DAYS I WILL BE SUING TRANSUNION AND REPORTING YOU ALONG WITH THE OTHER COMPANIES FOR TAX FRAUD.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Vehicle was repossessed and sold without my consent nor any information was given to me in regards to when the vehicle was resold and for how much it was sold for. Under the laws of Illinois UCC-9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and core time limits were adhered to.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America alerted me on XX/XX/23 that a charge of {$160.00} was made to my checking account at XXXX XXXX XXXX in XXXXXXXX XXXX and questioned whether I was making or authorizing this charge, I was not. I promptly reported the charge as fraud. Bank of America informed me that it would be taken care of, and temporarily refunded the amount to my account. However I received a letter in the mail XX/XX/23 that the funds would once again be removed on XX/XX/23 and if I wished to dispute it, to send them a letter. I mailed and faxed a letter on XX/XX/23 to once again dispute the charge as I did not authorize the purchase, and have not received a response.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX,, XXXX XXXX XXXX : {$290.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX DC XX/XX/XXXX
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (CO)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously XXXX  my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

There are all fraudulent inquires on my XXXX bureaus XXXX, XXXX and Experian credit reports that I did not authorize as shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 duplicated inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-09
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. (VA)

Multiple accounts are apart of litigation. I have disputed with Experian multiple times and they continue to close out my dispute without any changes within 24 hours. They have not sent me any information as to why they are closed out without being removed as these items are inaccurate and they refuse to remove them.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MD)

Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX   VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; Sears/CitiBank/now XXXX XXXX. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. Sears is in Bankruptcy and CitiBank was their credit card holder- but their tactics are not good ; because when I talked to Sears ; they would not even negotiate as I told them I had XXXX and was sick in 2016.
Consumer complaint received 2019-10-22
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. (CA)

i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MA)

I have a lease thru JP Morgan Chase bank, my past 3 vehicles have been leased with them as well without a problem, I recently was sent an advertisement from XXXX   XXXX telling me that I could trade in my lease early ( lease is up XX/XX/XXXX ) I went to the dealership and after running my credit they saw that Chase had reported I was later 12 times between XX/XX/XXXX-XX/XX/XXXX so they denied me even with a co-signer. I called Chase because I have always made a payment every single month! Not one month was skipped but there were several months when someone else was making payments for me because I was in the hospital through out XX/XX/XXXX- XX/XX/XXXX. There were months that since the person only made a payment of {$1500.00} instead of {$1600.00} that extra balance was carried over to the next month, so there fore each month it was a little more and more, I tried catching up but every month there ended up a small amount over due ( even one month it said {$1.00} past due! ) this resulted Chase " technically '' saying I was 30 days late. I just think this is unfair because now that I might have to be getting another vehicle because I was in a major accident the other day and it might be totaled. I understand that I might owe small balances from previous months that I have tried to get caught up with but I don't think that should be reported as 30 days late because there was always a significant payment made on the lease. I would just like to be able to lease another vehicle with XXXX XXXX. I tried disputing directly thru the credit bureaus but the choices are so narrow and they denied my dispute. I also called Chase and they suggested I contact the FTC. I have attached 2 examples of their version of past due.