davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. )
Consumer complaint received 2024-02-15
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (OR)

I received my Pandemic unemployment assistance via reliacard. Immediately after I made my first purchase with the card I see issues. The first one was. I try to send money from my u YES Bank. Rely card account to a XXXX XXXX account. That belong to me not only did they deny that request. They Told me they do not do business with XXXX XXXX. I told Them that the money belonged to me and I should be able to send anywhere. I want. They said in respon to that. It's part of our policy not to do business with XXXX XXXX. I made a couple of withdrawalswith my reliacard. That XXXX XXXX store because you have to self check out. They will allow you to get cash back. I had to use this methodto get cash back. Because of problems like dim, denying me the ability to send my money To another card that I use. They went along and put a fraud Alert on my relia card account without me requesting It. I contacted Reliacard to see what the problem was because I tried to use my card and it got denied. I was told by them that the request for money for my account. Who's suspicious? I told them it was me making the request. 
I told them to take the Fraud alert off my account They honored my request but it took days before it happened. I wanted to buy a car. I had {$20000.00} in my account and I could not use my card to buy a car. It was no short of a nightmare to use this card that was supposed to be Hey. Debit card from u s bank. We did not receive any interest on our money. But we had an account a Bank account I thought. In the state of oregon we were giving the option to have PUA unemployment benefits transferred to any bank if we provided the unemployment department With all the necessary info. 
To have it done. If you contact reliacard ask for all the information about every time I called You get a better understanding on my problemthank you please help
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

15 Us Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information resulted from an alleged identify theft, not later than 4 business day after the date receipt. It has been 30 days and you are in VIOLATION! Of the law because I am a victim of identify theft. Please delete these items IMMEDIATELY!. 
I NEVET GIVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violates my rights as s federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As s consumer I am demanding the deletion of the account listed IMMEDIATELY!
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Porsche Financial Services, Inc. (FL)

I have an account showing on my credit report from Porsch Financial Account # XXXX to which it states I am a joint on. I have several issues with the account and what is reporting. This was my ex husbands account. I have never been notified of any issues with this vehicle and the past due status and the impact it would have on me. Therefore I am requesting the original contract along with any communication which was made to me to advise me of the accounting becoming delinquent etc. I am also requesting the full payment history on the account.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Capital One XXXX  XXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Sincerely XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (WA)

I never moved to XXXX on first apartment in XXXX washington, I just filled the application form and paid the application amount.Although I never signed lease. 
I got email confirmation from property management as well that I dont owe them any amount.But i am getting calls from IQ international data about the amount I owe to them, which is false .It has also impacted ky credit score kindly help and let me know if you need more information from my side best XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute these errors with the credit reporting agencies on multiple occasions, they continue to persist. This situation poses a threat to my financial credibility and could potentially impede my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this matter and ensure that the credit reporting agencies comply with the FCRA to safeguard consumers ' rights. Thank you for addressing this important issue.
Consumer complaint received 2024-03-07
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. (TX)

Experian is reporting an incorrect balance on my student loans with XXXX. They are reporting I owe {$100000.00} between XXXX accounts. I owe XXXX {$78000.00} as of XX/XX/year>. I have disputed this multiple times with Experian. I have provided documentation and they refused to correct the errors.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked my consumer report and I found out that XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

My personal information was sold by a company to a debit collector agency. Which that debit collector have as well sold my information to another debit collector to join forces to retrieve debit. Ive received numerous text and emails from these companies in hope to retrieve debit. 
15 USC 1681 1 15 USC 1692 G 18 USC 894 Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4 15 U.S.C 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by the consumer.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-09-25
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. (TN)

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Dividend Financial, a partner of Fifth Third Bank are predatory lending practices. I've had a loan with them for solar panels by XXXX XXXX, whom promised me everything was good, no leans on my house since I paid cash, which I will be filing another report against XXXX XXXX, my loan is going up not down and I have been paying for over a year $ XXXX FOR OVER A YEAR. I CALLED DIVIDEND FINANCIAL, and asked why the balance has not gone down it's gone up, I was told that they charge 1.29 % EVERY DAY. APR IS 2.99 % which means I will never be able to pay it off. I was forced into both contracts the day XXXX XXXX showed up at my door and used aggressive sales tactics, I DIDN'T GET THE MANDATORY 3 DAY WAIT PERIOD, EVERYTHING HAD TO BE SIGNED RIGHT THEN AND THERE'S. I have been dealing with this for over a year, but the not even getting the chance to even read either contract, and the 1.29 % every day interest is abominable. XXXX XXXX used to be XXXX, and they went under. This has got TO BE EXPOSED AND RECTIFIED. I'VE RELENTLESSLY TRYING TO GET HELP WITH THE WHOLE SITUATION EVERY DAY. Isn't that double dipping? They are both in cahoots with each other, and my roof was not sound enough to even put the panels there to begin with. I'm currently in the middle of filing for XXXX, no income in close to 2 years, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I was totally taken advantage of, and lied to from the start. Because of dividend financial and XXXX XXXX my credit report went from XXXX 's to low XXXX 's. First time home owner. Again took advantage. I was told the tax kickback would be half of the loan. Come to find out it's a CREDIT not REFUND. They have put me {$70000.00} roughly in debt, PLUS I've never even financed anything. How many other people have they ruined financially for the rest of our lives? I can't even sell my house if I wanted to because dividend financial has put a UCC lean on my house, but I have not signed it nor will I pay for something I had no knowledge of and was lied to about. XXXX XXXX also took a 2nd loan out and lied to me and told me it was not approved, and to throw anything from XXXX XXXX XXXX to not even open it. Low in behold I started investigating more and more about both. I've been ghosted by XXXX XXXX, and dividend financial has XXXX
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

The Loan Servicer Mohela has " lost '' my payment history and has reverted my balance to XX/XX/2023 ( over {$5000.00} higher than the correct amount ). Despite many attempts and over XXXX hours on the phone, I can not get ahold of anyone with the agency to fix Mohela 's mistake. Meanwhile, I am being charge interest on this incorrect balance every day. I need help holding Mohela accountable for not only mismanaging my loan, but not responding to my attempts help them fix it. 

I have bank statement evidence of payments made to Mohela that Mohela has lost and I have photo evidence of the previous balance before they lost the payment history. I also have evidence of my repeated attempts to resolve this over the phone and via email/document upload.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Management Partners, LLC (IN)

I get a call repeatedly from different numbers as soon as I block them they call with a different number and leave a voice mail hi this a bebt collector. This is XXXX XXXX please call us back XXXX called from XXXX XX/XX/XXXX @ XXXX p.m. called from XXXX wensday left voice mail, called from XXXX on XX/XX/XXXX left voice mail, called from XXXX on XX/XX/XXXX left multiple messages after that date to I deleted them after blocking them I am in a chapter XXXX bankruptcy and if this counties I will seek a law suit against them. For harsment.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (NC)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance {$190.00}, XXXX XXXX  XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I received letters in the mail and received phone calls about my Bank of America account being closed due to a fraudulent check that I have no knowledge of. A few months later I opened up a XXXXXXXX XXXX account that was closed due to me being in the XXXXXXXX XXXX. I was so confused because I have great banking history.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

2. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
2.1 XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts 0 Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} XXXX XXXX {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating.

Consumer Statements 0 Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry XXXX XXXXEQUIFAX XX/XX/XXXX Public Records 0 Records Found Collections 0 Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (FL)

LATE PAYMENT LETTER Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau : XXXX Credit Bureau Address : XXXX XXXX XXXX, XXXX, GA XXXX Dear, XXXX I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave You, Credit Reporting Agency OR ( { creditor_name } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT ADDRESS : XXXX XXXX XXXX, WI XXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your Name XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. Collections West, Inc. (AZ)

The u s collection went to court and garnished my wages from work .I payed off my debt to the collections I have proof of payments and I have the letter that states the debt is satisfied and will not honor that I payed it off.