davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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. (PA)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Consumer complaint received 2024-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit capitol one but it show no lates as well except XXXX place its inaccurate. This date on capitol 1 XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX XXXX XXXX XX/XX/XXXX And show paid as agreed but lates also
Consumer complaint received 2024-06-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

It has been very difficult to use my Amex prepared gift cards at stores or online. I am also charged a small fee ( {$.00} or {$.00} ) for trying to use them on actual stores I go to such as XXXX or on XXXX for XXXX purchases. It is very hard to know what my current balance is on the card in real time because the Amex app itself does not allow you to add your gift card to the app ( as I can with my other Amex credit cards ), but the Amex website emphasizes that consumers need to know their balance at all times to use the card effectively. It suggests calling Amex or logging in online to Amex to determine your balance, which is more difficult than using the Amex app. 

Furthermore, at restaurants, you usually can not split between two cards if the balance is more than the current value of the card, and the bill ( including hold for tax and fees ) may come out to be beyond the value of the card so it will decline. In this way, the cards are ( 1 ) difficult to use, and ( 2 ) difficult to spend the full value.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Figure Technologies, Inc (MI)

I received a {$22000.00} HELOC from Figure Lending XX/XX/XXXX. XX/XX/XXXX Figure Lending supposedly sold my loan to XXXX XXXX XXXX XXXX. Then in XX/XX/XXXX the loan was sold again to XXXX XXXX XXXX. But the loan was NEVER sold. In XX/XX/XXXX Figure Lending assigned my mortgage to XXXX XXXX XXXX XXXX as recorded with the XXXX XXXX XXXX of deeds. Then again in XX/XX/XXXX transferred it back from XXXX XXXX XXXX XXXX to Figure Lending. Figure Lending is the current owner of my mortgage despite claiming to have sold it. I have filed bankruptcy and even the court documents show Figure Lending as my lienholder. XX/XX/XXXX Figure Lending LLC filed an objection to my XXXX XXXX plan despite claims of selling my loan and no longer having an account for me or collecting payments on my loan. Figure Lending is still listed as my creditor. This is fraud!
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (TX)

I am an agent of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. MyXX/XX/XXXXis XXXX XXXX XXXX Zoom Zoom. My XX/XX/XXXXnumber with them is XXXX. I used to do a wire transfer and sell money order as an agent of XXXX. XXXX went out of business and lot of money transfer sent and money order sold they asked me to refund to the customer saying they will settle the amount with me by check payment. I did issue refund to the customer as an agent. I also processed some checks directly into their system to which they owe me a credit. In total they owe me {$25000.00}. Now I could not get hold of them as they went out of business. I am a XX/XX/XXXX running in credit card almost to the point of the bankruptcy with the amount I lost.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all unauthorized credit inquires.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Previously filed a complaint against XXXX XXXX Bank for a XXXX  card that was paid in full, but listed as charged off with a balance on my credit report. I wrote to the XXXX of the bank and asked for the payment ledger which was emailed with a response. Per the response I received, the account was closed with a XXXX balance. However, each credit bureau shows closed at XXXX XXXX 's request with a charged off balance. If the account was paid off in full, it can not be a charge off with a balance. I have argued that this information is incorrect with the bureaus, and yet they are still reporting inaccurately. The Fair Credit Reporting Act requires accurate information be reported to the credit bureaus.
Consumer complaint received 2024-06-05
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: Experian Information Solutions Inc. (TX)

XXXX, Experian, & XXXX continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Consumer complaint received 2024-06-05
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. (TX)

XXXX, XXXX, & Equifax continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX sold a car loan that was on my credit before the retention date was up, which was only a few months away before they sold it. I asked through written notification and electronic through all three credit bureaus, asking XXXX XXXX to send through Certified mail a verification letter showing the address and the original signature which never happened, they then sold the account to which I did the same thing sending LVNV Funding LLC written notice that I needed verification that these accounts are mine. I have continued to dispute this account since it has been to the new company with no avail. Each time they just verify the account through the credit bureaus automatic verification system and never sent me the information Im asking for I need these accounts deleted from all three of my credit bureaus immediately because I have disputed them time overtime overtime which each time be in 30 days I can no longer wait 30 days in these accounts need to be removed from my account immediately.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

XX/XX/XXXX24 I completed a change in payment plan that made me eligible for loan forgiveness via XXXX. 

XX/XX/XXXX2024 I was placed on a temporary forbearance while the new payment plan was applied- I was also moved to XXXX that month. Payment that shows in XXXX system incorrect. 

XXXX 2024- Forbearance while XXXX sets up my account? XX/XX/XXXX and XX/XX/XXXX - submitted paperwork to XXXX of current payment plan. 

XXXX 2024- incorrect payment plans XXXX applied despite submitting official paperwork with documentation of current plan. 

XXXX 2024- wrong amount persists, company refuses to apply correct payment plan. Submitted correct payment information XXXX more times.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my first 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 records 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 an 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 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 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 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 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

I noticed that my student loan deferment period was set to end on XX/XX/2024 and payments set to resume on XX/XX/2024, despite remaining enrolled full-time in university. I initially contacted Nelnet on XX/XX/2024 via phone call and they informed me that it was too soon to do anything and to call back in XXXX. I called back on XX/XX/2024 and they said that my university had provided them with the incorrect graduation date and to contact my university 's financial aid office ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I called financial aid, who sent me to student accounting, who sent me to the registrar 's office, who sent me back to Nelnet saying that their records did not have me graduating in the XXXX. I called Nelnet again on XX/XX/2024 to explain this and find a way to avoid deferment cancellation. 

Initially, the customer service respondent incorrectly asserted that the deferred periods are lapsed during the summer. I pointed out that my last XXXX  years of XXXX  school this has not been the case. She put me on hold, returned to say that summer periods are not counted against our deferment schedule as long as we remain enrolled in the Fall ( which I am ). She said there was nothing further to be done at this time and they would contact the university. Today I received notification that my student loans are no longer deferred and I do owe payments effecting XX/XX/XXXX, despite remaining full-time enrolled at the XXXX XXXX XXXX XXXX XXXXXXXX for XXXXXXXX XXXX XXXX and XXXX XXXX academic quarters. 

I should not be held liable for any interest accrued during this time, as I have taken every step to ensure my rights as a continuing university student.
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I opened a XXXX XXXX XXXX XXXX, who used Comenity as their bank provider. I received my first invoice in XX/XX/XXXX and paid it in full and on time on XX/XX/XXXX using a standard personal check. Comenity has accepted the funds and has not recorded it as paid. Now they are calling me several times a day. I provided Comenity written proof from XXXX XXXX and mailed it to the address they requested over a month ago and the calls are still coming in.
Consumer complaint received 2023-04-26
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. (TX)

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

15 U.S.C 1681 Section 602 A. states I have a right to my 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.
Consumer complaint received 2024-07-29
Product: Credit 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: BMO Bank, N.A. (CA)

On XX/XX/year>, I booked vacation house rental though XXXX to stay on XX/XX/XXXX to XXXX at the 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 for {$1300.00} free cancellation up to XX/XX/year>. Upon checking at XXXX, on XX/XX/year>, the property was XXXX miles away, XXXX XXXX XXXX XXXX, no swimming pool access. And the house provided only for XXXX people to sleep with XXXX bedrooms with XXXX XXXX XXXX ( sleep XXXX people ). I tried to call and text the host on that day, but they never return a call or a text. I also tried to talk to XXXX through chat to ask for the partial refund the amounts of the payment ( {$600.00} ). They claimed the property was nonrefundable at the time of booking. There is nothing they can help. I also called the Credit Card BMO they refused to help. They did not want to open dispute for this case due to the information they clamed that I received services I need to pay for it. Since the service I paid for XXXX people and receive only for XXXX people to sleep they provided. I can provided all information if needed. and I would like to get help.
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Hello, My account was opened with CITIZENS BANK online this year. In XXXX my account was freezed randomly on a Friday morning. I have tried to give any extra verification to unfreeze account. I have went to brand as told, and was given no information on my account. My funds are still in the account for months now. I am a single mother of XXXX. I am now behind on my rent due to this situation. The bank has not helped at all, every time I speak with them they say different things as if no one is exactly clear why its still frozen. I was told the account would be closed, and I would be receiving a check with my remaining balance, and I still have not received anything. It has been way too long now. They gave me a contact number to reach their fraud department which the branch tried contacting as well with no answer or call back to branch or myself for months. I feel this is illegal to hold onto my funds, it has been so long I no longer want the account anymore, I just need my funds returned. If your company is able to help me out in anyway possible I would greatly appreciate it. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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. (NC)

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative item ( XXXX XXXX XXXX XXXX ) from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRA regulations. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.