davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX, XXXXDEPT OF ED # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services is attempting to collect a debt for the amount of {$930.00} and has reported a collection on my credit report causing me to not be able to qualify for a property I was in the process of acquiring. 
I spoke to them letting them know the information they have is incorrect, as they have the wrong birthdate listed for me, but they insist that the debt belongs to me, when it clearly doesn't. the original debt is owed for an Ambulance service in 2018, I have never been to a hospital and have never been in an ambulance. 
Phoenix Financial Services asked me to file a police report, but the police said they can't file a report since I have not made any payments on the debt. 
All this is costing me time off from my work which means money, and causing a lot of stress since I can't not qualify for any properties for me to live, and I need to find a new place to live since I am new in the area after relocating from another state.
Consumer complaint received 2023-04-24
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. (VA)

This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and Experian credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2023 I received a letter from a debt collection company. The name of the organization is XXXX XXXX XXXX XXXX. This is my response. I have attached a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM. This is my response. Please answer all questions and validate this debt claim.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (MS)

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (CA)

XX/XX/year> i paid {$1500.00} and XX/XX/year>, {$760.00} and when I called I was told XX/XX/year> that the loan was charged off meaning that the loan was transfer or sold but I was not told who is the new lender, but I do believe they violated my rights because I was not aware that their intentions were to sell the loan, so my question is why am I paying them when the loan was sold to someone else that I do not know, I have plenty of e-mails trying to work with them to find a solution so we can come to and agreement but instead their tactics are inhumane and abuse it that they do not care nor do they want to work with the consumer instead I was told get money from your XXXX or borrow money from family members or friends so you can keep the car, they make it seems like I am a millionaire, so my concern is should I continued to make payments to exeter finance LLC? What rights do I have, I have reached out to them to e-mail never got an answer?
Consumer complaint received 2023-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to refinance it from a loan that I had from XXXX and XXXX XXXX into one loan now under earnest. Initially, the monthly cost of my student loan payments took up more than 50 % of my monthly income. I struggled for months to pay both rent, to get food, and pay off my student loan. The student loan bill is the largest out of all of these. I was never able to find a job with my XXXX XXXX XXXX  that pays a comparable salary to what it cost to get the degree. I would have never gone to school for this degree if I knew that the job market had no jobs that would compensate me for my specific education. Now every single month, even since refinancing with Earnest I barely get by. Now I am about to have a baby and I have no idea what I am going to do in order to feed my family, this loan takes up an unreasonable amount of my income and they are not willing to work with me on lowering the payment without me being in debt for the rest of my life. Please, I need help. If something else doesn't happen soon I fear for my family. I worry I am going to have to raise a child homeless and couch surfing because of the unreasonable price of my degree.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MA)

I had 3 loans with the company Affirm that were sent to collections. All 3 of these accounts were settled with XXXX XXXX, the collections agency who bought the affirm coounts. I received the confirmation of payment letters from XXXX XXXX  stating the accounts were settled and there was no balance. Affirm has been incorrectly reporting to XXXX  that I still owe these balances. After making several disputes, several calls to Affirm, multiple messages and no changes have been made, I proceded to contact XXXX  to file another dispute and afain, provide the proof of payments. Upon receipt, I was made aware that Affirm is incorrectly reporting themselves as a collections company who holds the accounts in collections, even after the debt was sold to XXXX XXXX. I was also notified that they were incorectly still reporting that these accounts have not been paid. Even after submitting proof to experian and affirm that in fact, they have been paid off. Affirm is in violation of the FTC guidelines and refuses to accurately report the status of these loans after several months of calls, messages and proof that what they are reporting is incorrect. This has affected me greatly. I am trying to move with my kids to another home before i am homeless, i was approved for a place but they needed for these accounts to be paid off first and balances removed from my credit. I paid these accounts on XX/XX/23, sent proof to affirm and have called them almost every week, to wich they state they received the letters and the issue would be excalated but when I get an answer they are automated answers and no one can assist. I even have chat conversations with screenshots of them stating that they see the balance is {$0.00} and that these accounts were sold to XXXX XXXX. But when the disputes I submit come back, they still report false information.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I MADE THIS DISPUTE IN XX/XX/XXXX, AFTER I HAD RECEIVED MY XX/XX/XXXX STATEMENT. I AM STILL IN DISPUTE BECAUSE THE COMPANY HAS NOT FOLLOWED THROUGH. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$380.00} WAS CHARGED. ON XX/XX/XXXX ORDER XXXX XXXXXXXX {$390.00}. ON XX/XX/XXXX ( A DUPLICATE ORDER ) XXXX XXXX {$390.00}. I WAS CHARGED FOR 3 GRILLS. I RECEIVED 2 GRILLS. I RETURNED 2 GRILLS. SO I SHOULD NOT OWE ANYTHING SINCE I DO NOT HAVE ANY GRILLS. LETTER RECIEVED FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. SECOND LETTER FROM COMPANY DATED XX/XX/XXXX STATED THAT CREDIT FOR {$380.00} ON XX/XX/XXXX. THIS IS NOT CORRECT. AS I DID NOT RECIEVE THE 2 CREDITS FOR THIS AMOUNT. ONLY CREIDTS THAT WERE RECIEVED ARE : XX/XX/XXXX {$380.00} AND XX/XX/XXXX {$390.00}, I STILL AS I HAVE STATED FROM MY " FIRST '' DISPUTE NEED THE CREDIT OF {$390.00}. THIS IS FOR THE GRILL THAT I NEVER RECIEVED. I WAS TOLD BACK IN XX/XX/XXXX BY XXXX THAT IT WAS A DUPLICATE ORDER AND I WASNT GOING TO BE CHARGED. BUT I AM STILL BEING CHARGED TODAY. DUE TO THE DIPUTE I AM BEING REPORTED TO THE CREDIT BUREAU " AS LATE '' EVEN AFTER MY MANY CALLS AND LETTERS WITH THIS MATTER. IT HAS TRULY RUINED MY CREDIT SCORE.
Consumer complaint received 2023-04-24
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. (MI)

I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I put in a dispute for a charge about XXXX XXXX. They charged me twice for the same flight. 

They sent me over documentation saying I purchased it which I did, I had a medical emergency that made me cancel my original ticket and purchase a new one because I was hospitalized. So I did purchase both tickets but one of the tickets should of been cancelled and it wasn't. So I have two tickets for the same flight. Somehow they are providing documentation to Capital One saying I got on the flight .... which I DID but not the one I booked originally and needed to cancel for the second flight which I purchased. 

There is two XXXX XXXX transactions. I only had one. At the airport in XXXX they didn't give me a cancellation paper they just told me they took care of it. Yet they didn't and both charges are on my credit card.

So either I have a clone that can take two flights or they double charged me for the flights.

I'll add the documentation of the letter from the hospital as well to show that I was seriouslyinjured and had XXXX, etc.
Consumer complaint received 2023-04-14
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. (CA)

This is my Follow-up 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (MI)

First progress credit card company closed my account and never returned my security deposit of XXXX dollars After I rescission of contract because an unauthorized user found my card and accessed my funds this is a breach of contract and I deserve monetary relief for damages and my security deposit returned
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. 
I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. 

As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. 

I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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 inaccurate.
Consumer complaint received 2023-04-24
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. (IL)

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on my credit report.