davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (MO)

In accordance with the fair credit Repair Act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX  Acct # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Bankruptcy Account # XXXX 15 U.S.C 1681 602 A section states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reporting agency report any of the following items of Information to any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is to be inaccurate.
Consumer complaint received 2024-07-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

This is in response to the original complaint I submitted to IQ DATA INTERNATIONAL. 
You all stated that in 2019 I reached out to you to resolve a debt issue, please elaborate on how this is possible when the apartments in question said I moved out in 2019. 
Furthermore, I spoke to XXXX  XXXX  and XXXX XXXX XXXX and both places confirmed that the birthday and social do not match my information. 
You all informed me that XXXX XXXX would have to have this information removed ( I reached out to them, and they reached out to you and asked you to remove the information, as they confirmed it was an error. You told them that XXXX XXXX would have to request the removal ( which I am aware that this company is no longer operational ) However on my credit report it doesn't state XXXX XXXX  meaning that any company that currently is managing a property has jurisdiction to remove debt on behalf of the owners, who they have spoken with ). 

I have never received a copy of a lease or signature and I have informed you that the data attached to my name is not my information ( The identification information you had was also inaccurate. You keep speaking out an email address, please do your due diligence to confirm per national statistics how many cyber scammers can duplicate information. Since you guys deal with apartment debt you would think that you would be aware of the number and attempts of apartment scams occurring You all want me to be guilty of something that unfortunately I'm not, I don't care what type of training your employees received, I will be reporting this to the federal government, state attorneys, and any other agency that I feel should be aware. 
If the company that is reporting the debt is willing to remove it explain to me once again why you guys are on such a high horse that you are refusing to remove it? 
Also XXXX XXXX removed this and works for your company and you had her put it back on my credit report
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

Complaint against, XXXX XXXX XXXX XXXX XX/XX/XXXX I made a purchase on a XXXX month promo plan no interest. 
By XX/XX/XXXX I had a balance owing in the amount of XXXX. That would expire on XX/XX/XXXX. 
On XX/XX/XXXX, I auto-paid XXXX, leaving a balance of XXXX. 
On XX/XX/XXXX I made a purchase of XXXX on a new promotional plan that would expire on XX/XX/XXXX. ( XXXX month promo plan no interest ) On XX/XX/XXXX statement, the balance owing was now XXXX. The min. pymt due XXXX. I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer pain. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan. 
On XX/XX/XXXX statement, the balance owing was XXXX. The min. pymt due was XXXX I auto-paid XXXX. They allotted XXXX to the expiring plan & XXXX to the newer plan, paying off the lower plan that still had 8 months no interest left. 
On XX/XX/XXXX statement, the balance owing was XXXX on the XX/XX/XXXX expiring promo. 
The min. pymt due was XXXX I auto-paid XXXX all allotted to the remaining promo. 
On XX/XX/XXXX statement, the balance owing was XXXX. XXXX. pymt due was XXXX I auto-paid XXXX. Now leaving a total owing XXXX. 
On XX/XX/XXXX Comenity Bank added XXXX for accrued interest to my balance owing, stating I did not pay off the XXXX month promo on time, but they had. allotted the monies for the higher sooner expiring plan to pay off the XXXX  month promo in XXXX  months. 
Since my payments were on autopay, I just looked at the total balance owing and minimum payment required. I assumed that my payment paid the min. required and allotted the overage to the expiring plan. 
They said I needed to call after each payment to designate the overage. 
HELP me!
Consumer complaint received 2019-07-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is 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, however I have not been successful.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

They closed my account without warning and when I deposited {$4200.00} they loos my money in the mix and paid late fees for my mortgage and had to pay contractors for coming to my house and didnt have the money to pay them or it would have been done for free for lesser amount so I paid out XXXX dollars between XXXX contractors just for coming out and no work done because they tied my money up for over a week which they money was a cash deposit
Consumer complaint received 2024-07-28
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: U.S. BANCORP (TX)

MY PERSONAL INFORMATION WAS STOLEN XXXX NOTIFIED POLICE ABOUT MY INFORMATION BEING STOLEN, RECENTLY I WAS NOTIFIED OF FRAUDRUALENT TAXES FILED UNDER MY INFORMATION, XXXX ALSO NOTICED THAT MY INFORMATION WAS USED TO APPLY FOR CREDIT ACCOUNTS AND SEVERAL LOANS UNDER MY PERSONAL INFORMATION.
Consumer complaint received 2024-07-28
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: Synovus Bank (TX)

MY PERSONAL INFORMATION WAS STOLEN XXXX NOTIFIED POLICE ABOUT MY INFORMATION BEING STOLEN, RECENTLY I WAS NOTIFIED OF FRAUDRUALENT TAXES FILED UNDER MY INFORMATION, XXXX ALSO NOTICED THAT MY INFORMATION WAS USED TO APPLY FOR CREDIT ACCOUNTS AND SEVERAL LOANS UNDER MY PERSONAL INFORMATION.
Consumer complaint received 2019-07-30
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 — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XXXX at XXXX XXXX  I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX. 
I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account. 

Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Estate Information Services, LLC (WI)

I have received odd calls from this firm, or persons representing themselves to be this firm, before over the years. I suspect someone either has me confused with another XXXX XXXX, or is simply trying to do fraud. 

Today 's very low quality, muffled call was hard to understand. The originating on caller i.d . was XXXX XXXX XXXX XXXX XXXX XXXX today XX/XX/XXXX. Fake phone number. This comes up as a " not in service '' number. The company he claimed to be calling for was ESTATE INFORMATION SERVICES, a firm located at XXXX XXXX XXXX XXXX XXXX XXXX, and whose actual number is apparently ( XXXX ) XXXX, He claimed to be named " XXXX '' or something very similar. The " spoof '' number suggests this might've been a real representative, and the apparent " chain '' number he gave, which I struggled to hear and record, led to EIS, so...

It was a discussion of a deceased person whose first name was " XXXX '' but whose last name I could not interpret. I know a few people named " XXXX '', mostly just acquaintances, and only XXXX is a cousin I barely know. She is very much alive. There is surely no one whose whereabouts or status can be contributed, and there is no one with that first name for whose debts I am remotely responsible. It was effectively a harassing call. 

It may be yet another case of mistaken identity. I have not been to Ohio for over XXXX years, never bought much more than a meal there, and have no mortgage or overdue bills of any kind. 

Went ahead and blocked any and all numbers I could find for this firm. 

This seems to be a scam of some sort, or perhaps just stupid.
Consumer complaint received 2024-07-29
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: Affirm Holdings, Inc (GA)

I have settled XXXX buy now pay later accounts and it shows paid and closed on my credit report however, the company is refusing to remove it from my report and the account was improperly coded.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (WA)

I had opened a cd account with Citibank XXXX. in XXXX XXXX XXXX XXXX XXXX for the amount of $ XXXX the A.PY. Of XXXX XXXX  for a term of XXXX months. This account will mature on XX/XX/XXXX of XXXX respectively. CitiBank had failed to pay me XXXX months of interest on my CD account. Citibank had paid me for XXXX months and owes me XXXX months on interest payment total {$1500.00}. At my request Citibank has been sending me the interest payment on a monthly basis via snail mail. However, since the month of XXXX CITIBANK N.A. has been using criminal strategies on me, the customer trying to stretch out the dispute and do nothing about it. I had contacted CITIBANK N.A. via telephone and snail mail and CITIBANK N.A. does not resolve the issue with deceptive promises that they are opening a dispute ( a criminal strategy trying to stretch out the time until the cd will mature and intentionally trying to get away with theft. I want CITIBANK N.A. to remember that we have a contract of XXXX months and CITIBANK N.A. has to legally honored this contract and pay their Customer for the XXXX  months interest rate. I rely on the Citibank N.A. interest payment to be able to pay for my apartment rent. I am behind in the payment of my apartment because CITIBANK N.A. is not paying me my interests. Citibank N.A. is not allowed to use deceiving criminal tactics on their customers. I work very hard for the money I earned.
Consumer complaint received 2024-07-29
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: Affirm Holdings, Inc (GA)

I mailed a certified letter to the debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine or that I am the rightful party that owes this debt. I also mailed a letter to all XXXX credit bureaus on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from report as the law states it should.
Consumer complaint received 2023-06-16
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 EXPERIAN CREDIT BUREAU RE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification. 
Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i. 
Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd (CA)

I tried emailing the company wise.com. I tried to send money to XXXX. I did not finish the process because the company I owned by foreigners and they not only took my credit card and XXXX ID but then these XXXX scammers wanted my XXXX image. Im not giving that information out to these people in XXXX and around the world To do more XXXX XXXX XXXX to all of us so I stopped the transaction and now I can't get online to delete the account. So some XXXX XXXX XXXX XXXX XXXXXXXX now have my information and it will not let me login to delete the account and they will not send me a new password because mine changed somehow. How do I get this company to shut down my account. These are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And their is no email address to contact if you can't login. And I can't call out of this country. How do these people expect anyone to contact them? How am I supposed to contact these people? I want the ID they have destroyed. It's soon bad when these XXXX XXXX  get into our banking. XXXX XXXX XXXX XXXX XXXX XXXX  when they got into our treasuries. How do I get my information back from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX?
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (WA)

I disputed Spring Oaks Capital LLC collection account for {$940.00} on my XXXX  report. this is not my account. In my dispute I requested them to provide proof of wet signature contract with my signature and if it could not provide or verification that per FCRA section 609 they need to delete account immediately. They were not able to verify account or provide wet signature contract.
Consumer complaint received 2024-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wakefield & Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.