davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I received a warrant in debt on XX/XX/2024 to appear in court on XX/XX/2024 which is only 9 days away. On XX/XX/2024 I contacted XXXX XXXX XXXX, XXXX. and requested information validating the debt which included the original agreement I had with the original creditor, XXXXXXXX XXXX, which XXXX XXXX XXXX, XXXX. said they would send through email, in which they ( XXXX XXXX XXXX, XXXX ) agreed in which they then asked for my consent to send the information through email which I gave them permission to. On XX/XX/2024, I contacted XXXX XXXX XXXX, XXXX to follow up on why I didnt receive the information I requested through email and they told me that they dont have permission to send the information through email because it would be too large to send through email. I told them that I wouldnt get the information ahead of my court date and they said that it would be sent through regular mail and not email.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

hi my name is XXXX I am using a Macy 's store credit card. since XX/XX/2023 all my payments are not going through. 
the result is devastating : late fees have been applied, my credit score went down and my stress is way too high. 
I contacted both companies macy 's and my bank XXXX XXXXXXXX. all they say : everything is fine. 
in fact Macy 's is accusing XXXX XXXXXXXX for not processing the payment or me for not having anough balance. I have check and made sure is fine but when I check my statement, I have different mention stating payment reversal or return check. 
when I contact XXXX XXXXXXXX they say evening is fine. 
in the mean time I have money in my bank account which is not process and they keep adding late fees after late fees please I really need your help even sueing them if necessary thanks for your understanding
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-05-01
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: National Credit Adjusters, LLC (TX)

XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-01
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. (MO)

On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.
Consumer complaint received 2023-05-01
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. (LA)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX  Account Number : XXXX This is a violation of my rights. Please delete 2. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not accurate date of last activity is inconsistent XXXX XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 3. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX  Account Number : XXXX This is a violation of my rights. Please delete 4. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX Account XXXX : XXXX This is a violation of my rights. Please delete 5. 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting date opened is not Accurate last reported is not Accurate XXXX Account Number : XXXX This is a violation of my rights. Please delete 6. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXXccount Number : XXXX This is a violation of my rights. Please delete XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXX cable unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I receivedDocuments from Trans UnionShowing dispute results.I am attaching photocopies of those documents However I had to call because I am blocked and can NOT get on to their website, I got a big red X and it says you are blocked. I called on XXXX and spoke with XXXX XXXX XXXX who said he was a supervisor who told me each of the disputed items I have on this document is under investigation, I have letters from TransUnion saying that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I am also submitting a letter of dispute that was sent to me from XXXX to send to the other credit bureaus regarding XXXX XXXX. IAM being Denided access to my credit report at this time. Transunion is the ONLY credit bureau that is doing this. In 2021 when I went in for XXXX XXXX my XXXX was stolen that's when my information was compromised. I have submitted my Identity theft information to all XXXX credit bureaus. However, Transunion has Revictimized me and I feel my rights are being violated by Transunion.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-08-07
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. (AL)

I reviewed my Consumer Report and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Dept of EducationXXXX : XXXX Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to on time as they should be as I was NEVER Late. Thank you very much.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (SC)

Failure To Respond To Debt Validation Letter XXXX XXXX XX/XX/2023 Account # XXXX Due to ( The department of education/Nelnet ) your companys failure to respond to my validation of debt request within the 30 day timeframe you are legally required to remove these alleged debts from my consumer report. I have email receipt that your company received my letter request on XX/XX/2023. Your offices confirmed via email that it was received on XX/XX/XXXXXXXX XXXX XXXX  which I have uploaded on this complaint. Which it has now been well over 30 days. Due to your company not validating this alleged debt which you are legally obligated to, you are no longer allowed to continue having this alleged debt on my consumer report. This an official request to have your offices remove the invalidated information from ALL 3 major credit bureaus ( XXXX, XXXX XXXX XXXX ). If I am not mailed completion of this request within 30 days your offices will in fact be in constitute of fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

I will be waiting for your companys response Thank you for your cooperation
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax a dispute about incorrect personal information that was reported on my consumer report. I wanted the company to investigate and remove the incorrect information from the consumer report and send an updated corrected consumer report to the address that was listed. I have not gotten a response from Equifax and the consumer report has not been updated as of XX/XX/XXXX.
Consumer complaint received 2024-02-05
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: Affirm Holdings, Inc (MI)

This is referring back to my case last year XXXX, I am constantly trying to get this resolved while Affirm continues to provide no updated information nor help. I have contact Affirm numerous times via email and phone and all they say is someone will contact me, this has been for the past 2/3 months no one from Affirm has ever contacted me regarding this. 
Affirm claims I owe {$2400.00} towards a debt for an item I told them I never received, since affirm refuses to respond to anything I had to raise a claim with who they says is my current debt collector " XXXX ''. That claim has since been resolved since XX/XX/23, I received an email from XXXX stating that as of of XX/XX/23 XXXX will no longer attempt to collect on this account on behalf of Affirm. Anymore questions contact affirm, which I have done and I have never got a response from them since last year. I am aggressively trying to fix my credit as I don't have a car right now so I really would like to push this issue to be solved and off my credit asap
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-02-05
Product: Credit 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: Affirm Holdings, Inc (NV)

I have outstanding debt with Affirm and part of it was charged off and sent /sold to another company called XXXX XXXX collections. XXXX XXXX is unable or unlicensed to do business in Nevada they wouldn't be specific and affirm wont recall the debt to let me pay it so I am stuck with no estimated time frame for resolution of their business practice issues. How can I pay this or get it removed from my credit?
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (VA)

Last year I had an issue with Ameris Bank where they sent my escrow tax payments incorrectly to the wrong Tax ID. After months of constantly trying to get it fixed and sending a CFPB complaint ( XXXX ) they assured me it would never happen again and they paid a {$75.00} fee for the late fee. 

This year again I got another escrow check and again they paid it towards the wrong tax id. They also said I have a shortage in my account in the same amount XXXX XXXX is listing as a penalty from 2022 late fee since they took MONTHS to pay it. This amount is {$580.00}. AMERIS BANK DID NOT COVER THIS PENALTY FEE AND NOW WANT ME TO ABSORB IT IN MY NEW ESCROW PAYMENTS. They also stated they paid the late fee in the amount of {$75.00} in the letter but the Fee in XXXX XXXX is {$89.00} IN ADDITION TO THE {$580.00} PENALTY. 

XX/XX/XXXX, I called in to pay {$170.00} in response to them absorbing these penalty fees as part of what I now owe as Escrow I got a letter saying the check was returned. I processed the payment over the phone with an agent - I didn't send a check and got returned check letters when an agent said this payment went through successfully. 

I was also told by the supervisor she saw how I was charged the penalties but Ameris did not cover them and she was creating a case. I have not heard back since.

This second mistake from Ameris, repeating the same one as last year has cost me time off work to handle these errors. It has also created mental distress for me and my family to have to constantly react to the errors. I've gotten no response from XXXX XXXX the supposed research person assigned to the case. I'm starting to think Ameris Bank is discriminating and treating me unfairly as a customer by putting me through their errors multiple times now. I am wondering if this is a deceptive practice to try to ruin my credit and not have me be a homeowner.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

A {$650.00} charge appeared on my credit report ( XXXX ) from Transworld Systems Inc. I have never received any communications from Transworld prior to this. Tried calling the supposed number listed on report XXXX for Transworld, but call led to advertisement. My previous address listed on XXXX is in XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived there. 

Filed a dispute to XXXX but they erroneously verified that the report is correct, that the charges belong to me. 

I also had a previous identity theft last year with the same {$650.00} charge, which was disputed and resolved.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO XXXXXXXX XXXX XXXX REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT # XXXX {$950.00} REFLECTING ON MY XXXX XXXX XXXX XXXX AND XXXX XXXX REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, XXXX, XXXX STILL CONTACTED ME REGARDING SAID DEBT ( S ) ON TWO ( 2 ) OCCASIONS AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE 3 CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. IN ADDITION, XXXXXXXX XXXX XXXXXXXX HAS MAILED ME WRITTEN COMMUNICATION REGARDING SAID DEBT WITH TWO DIFFERENT SPELLINGS THAT AREN'T MY FULL AND CORRECT LEGAL NAME AS NOTED ON BOTH MY BIRTH CERTIFICATE AND WI DRIVER LICENSE. THE CONSUMER REPORTING AGENCIES HAVE RECEIVED A COPY OF MY WI DRIVER LICENSE REFLECTING MY FULL AND CORRECT LEGAL NAME. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THIS ACCOUNT.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I had a credit card account with Capital One for some reason I have gone through a case of identity theft and the person hacked my credit card. There are purchases on the card that I did not use. 

I have called several times but there seems to be a misunderstanding. 

I'm willing to pay {$500.00} of the bill. 

The card was hacked and the person had changed my email and phone number back in XXXX  they helped me fix that but they determined to close the account.