davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NC)

A company that Castle Credit say they finance. Fraudulent conned me. To get a waterfilter system I didn't need or even want from XXXX XXXX XXXX which is out of business now because they were doing shady business!!! I told them I couldn't afford the XXXX XXXX XXXX & the company told me to just try it & if I ever got behind on the payment. The company would help me out, which they never did. Also, they was suppose to send a female to finish the paper work, still I told them I don't want it. They said the lady had got into a crash & they would send someone else in a couple of days. A crazy guy showed up, & said he owned the company & that I had to sign it because it was pass the trial period which I knew nothing about, plus I informed him. I still didn't want the unit & he wouldn't leave. I suffer from XXXX XXXX. So I just signed it, so he would leave. The company was notified but they still wouldn't come take back the water filter unit. I never wanted & still don't.
Consumer complaint received 2024-03-14
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. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NEW WORLD COLLECTIONS, INC. (IN)

We have been in a dispute with a cleaning company, XXXX XXXX, about services not rendered satisfactorily. They claim we owe {$330.00} for 2 cleanings in XX/XX/2023. After much back and forth with them, they sent us to an alleged collection company, New World Collections , Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ), after what they wanted. We have exchange letters with them asking that they verify the debt as valid and also on their authority to collect on it. We received back from them basically the same letter with alleged invoices for services, which we contend were not satisfactory, that appear to have been done on a word processor that anyone could make and absolutely no information on their authority to collect a debt. I don't even have the name of a person to talk to. As far as I can tell, they are not registered to collect debts in my state of Indiana and I have no assurance of anything.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A khols credit card was open in my name and I was not aware and seen on my credit I contacted creditor and inform them but they refuse to take off even though I have documentation to show I was incarcerated at the time the account was open
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I am currently in XXXX XXXX, but I work for a local government and will qualify for public service loan forgiveness this fall. My account was switched to " in-school deferment '' status in XXXX. I first messaged Mohela to request that the in-school deferment be permanently removed from my account on XX/XX/23. When I messaged, it stated that my message would be responded to witXXXX XXXX XXXXess days. It was never answered. I placed follow-up calls to Mohela on XX/XX/23, XX/XX/23, and most recently, XX/XX/23. On the last call, the rep stated that she put in the request to have the deferment cancelled, but it would take 2-3 business days. This is the 3rd business day and it is still there. I have faxed and messaged multiple requests to remove the in-school deferment and to revert XXXX and XXXX to XXXX forbearance. The request I sent on XX/XX/23 is marked in my file as APPROVED and XXXX and XXXX are now listed as qualifying payments, but my account is STILL on in-school deferment status. XXXX and XXXX should be my XXXX and XXXX qualifying payments, yet Mohela is refusing to cooperate so that I can make my last two loan payments.
Consumer complaint received 2023-10-18
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: FIRST PORTFOLIO SERVICING INC (MI)

XXXX - Due to the incompetence of Total Visa, my card was charged an amount of XXXX, I pointed this out to them, and they began an investigation but, in the meantime, instead of fixing the problem, on my account, they kept charging me overdraft and other fees which I think was wrong, they placed me in a terrible situation.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-18
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. (FL)

Can you delete these accounts because they are negative and are not mine? 
XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi closed my account for no reason with {$10000.00} in it and is still refusing to send me the check. It's been 55 days since I've been locked out of my account which is approaching even Citi 's own deadline for sending me the funds. I tried sending in several CFPB complaints but the analyst on the case XXXX has been completely incompetent and unprofessional. His manager refuses to assign someone else. I need my funds and I need anyone but XXXX on this case.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

15 USC 1681b Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

According to the FCRA you are in violation of my consumer rights. These accounts have been deleted from my account 3 times and now you are changing the account numbers. You had 5 days to send me a certified letter, saying these accounts was going back on my credit report. My card wasnt lost are stolen with XXXX XXXX. They changed the account number. Please send me a copy of the certified letter, with my name on it, with my address? I was unaware of these items would be placed back on my credit profile. I didnt have an opportunity to dispute the information. These accounts have been reinserted 3 times!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attorney General
Consumer complaint received 2023-03-13
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. (FL)

I have disputed account XXXX XXXX XXXX XXXX XXXX Balance {$460.00} and in two days this account was verified with no investigation. I do not recognize this Fraudulent account as I a victim of identity theft. It is your duty to protect consumers who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. TRANSUNION BROKE THE LAW!!! 
Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking { {$1000.00} } per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n. While reviewing the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

About 8 months ago XXXX XXXX  credit cards issued by BJs were taken over by Capital One. We paid XXXX {$900.00} ( which included {$700.00} plus recent charges ). 
We have spent the past XXXX  months trying to get credit for our payment. After XXXX attempts and numerous investigations by Capital One, we received a letter, dated XX/XX/2023 that the account had been credited. We have now received a letter dated XX/XX/2023 that we still owe the {$700.00}. We are attaching some of the supporting documentation.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX XXXX.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My credit balance was reduced from XXXX dollars to XXXX dollars without notice. This has dropped by credit score. I reached out to the company in order to reverse this and they told me they will not be able to do it.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I spent two complete days trying to reach Way2go about my Oklahoma Unemployment debit card that was sent to the wrong address. When I finally got someone on the phone, they canceled the initial card after telling me that the funds were on the account and intact. When I asked for a replacement to be sent to me, I was told I had to call the unemployment office again and ask them for help. It is nearly impossible to get through to the Oklahoma Unemployment office now days. I tired all day today with no results. I do not see why the Way2go mastercard defused to send m a replacement even after they verified my identity. 
May name is XXXX XXXX and my OK unemployment claim number is XXXX I am trying my best to resolve this issue before I get evicted from my home and lose my car. 

Thank you
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts.

I am requesting that you provide verification of this two collections you have on my account.

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 


Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 


Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-04-10
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. (GA)

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 has violated my rights. 

XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX has XXXX my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

-XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

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.