davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Dear Consumer Financial Protection Bureau, Your initial questions on the questionnaire, doesn't apply in my case. Let me start by saying that my case was in XXXX, XXXX XXXX, New York court system. I was served a judgment against my part-time job from - XXXX XXXX XXXX, DBA in New York for the balance of {$8200.00} plus interest and I am XXXX years old. The marshal in this case is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Badge No. XXXX. 

My story started with " Beneficial ' company in XX/XX/XXXX - I took out a small loan and paid them back immediately, then took out another loan, paid monies on that loan and then I lost my job, moved out of XXXX XXXX, XXXX XXXX where I took out the loans - moved to my daughter 's home in XXXX, XXXX XXXX and forward a change of addresses to everyone at the time. Since that period of time, XXXX closed their doors for business and apparently transfer their loans/debts over to 1 or  maybe most broker houses ( not sure ). 

Years after this - a company started calling me - saying, that I owed them money - which I didn't know at the time that they were debt brokers and was calling about an old debt from XXXX - they were given me a new company/ name information that I did not know, I thought that they were a fake company of some kind ) and harassed me by phone at home and my on job - at that time I was working for XXXX XXXX XXXX XXXX as a XXXX in a classroom - they were harassing so badly. After that they started sending " what look like fake court papers '' no signatures here and there, it just look like another form of harassment. So I annoyed these letters and then they contacted my land lady at the time and told her the story - this was in XX/XX/XXXX I believe. 

I would love to send all of the court information that I have about this case, to see if you can help me with the judgment still against my part-time paycheck.. Can you help me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX I work for XXXX XXXX XXXX XXXX, my position - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thanks so much XXXX
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

XX/XX/XXXX and XX/XX/XXXX I found XXXX charges on my Citibank thank you statement that looked odd. I called Citibank XXXX on XX/XX/XXXX after I got my statement and before the drop dead date for paying XX/XX/XXXX. They didnt help me but I figured out the two bills were from two companies I had never dealt with before and were 3rd and 4th party contractors to two companies I had dealt with before. Citibank disputed the two charges and added a third one I didnt know about yet. I called back and un-disputed the charges and to make my payment in full. The foreigners who dont understand XXXX and act for Citibank in the XXXX  did not understand, said it was too late, they cancelled my card and I could not make payments. I wasnt late then. On XX/XX/XXXX XXXX I called back to make the payment and they said I still couldnt. They were busy transferring data from the old card to the new card. They said try again XX/XX/XXXX. On XX/XX/XXXX I became late but not my fault. I still could not make a payment. Citibank said try XX/XX/XXXX. I was finally able to make my payment XX/XX/XXXX. Then my XX/XX/XXXX statement shows delinquent penalties and interest. Citibank took those off by an XXXX and I paid {$1900.00} in full XX/XX/XXXX four days before the drop dead date XX/XX/XXXX. Then Citibank came back at me with {$41.00} min payment due on XX/XX/XXXX or they send me to collections. And the credit bureaus are notified. XXXX Citibank due was {$81.00} but not XX/XX/XXXX ; on XX/XX/XXXX so I paid XXXX in full. XXXX Citibank charged me again for XXXX. And for XXXX for the one they disputed and I didnt. But neglected the new charge of XXXX. So they said I owed XXXX. I actually owe {$85.00} because of all the pluses and minuses. So XXXX. I called Citibank 10 times. I talked to 2 XXXX  and 8 XXXX. The two times I talked to Americans I got my late charges reversed and a payment made. The rest of the time I hit a blank foreign wall. When I ask for an American and I did I want to be transferred to an American ; not sent to a person who cant understand me and I cant understand them. It should be illegal for banks to use foreign workers to do their business. No wonder were in the financial, military, trade, and data messes were in. They would not let me make my payment today. They kept insisting on {$120.00}. I owe {$85.00}.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST I contacted Equifax through my XXXX  account to dispute a charge from my XXXX. I provided a receipt of the charges along with my insurance card. At the time of my last visit I paid for both my balance of {$95.00} and my co-pay of {$30.00} bringing my total to {$120.00}. I included my insurance card to show that a XXXX co-pay is {$30.00} so that it wouldn't be any confusions on why I paid more than just the {$120.00}. 

Date Creditor Called : XX/XX/2020 Time Creditor Called : Between XXXX-XXXX XXXX XXXX from the collection company representing my XXXX  called to collect on the debt. I explained to her that it was paid prior to it going into collections. She asked me to send the same documents that I sent to Equifax to XXXX and reference # XXXX. 

Date Docs Sent : XX/XX/2020 Time Docs Sent : XXXX Date Dispute Inquiry : XX/XX/2020 Time Dispute Inquiry : XXXX and XXXX Contact Equifax was told although I have proof that it was paid and my XXXX  can't provide proof that it wasn't paid Equifax has to report whatever the guarantor reports.
Consumer complaint received 2023-08-30
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

Lexington law years ago, can't remeber when charged me upfront for their services. I don't know if they over charged me or what laws they've broken, now that I found out they've been scamming people this whole time I'll do more research
Consumer complaint received 2023-10-10
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-10
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-15
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: Experian Information Solutions Inc. (GA)

Experian and XXXX are showing a XXXX XXXXl amount of {$21000.00} on my credit report as closed. I also filed a claim with them and they responded with the item was being deleted off my credit but nothing is disappearing after 2 months and my updating the system. My social is XXXX, my name is XXXX XXXX.
Consumer complaint received 2022-12-08
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report
Consumer complaint received 2023-08-30
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: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE (NC)

I called trying to figure out how did this company get on my credit report. I've never applied to this company and it hurt my score. But I was hung up on after I asked them to remove the inquiry.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (CA)

I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax dropped my credit score because of an increase on XXXX of my credit cards by XXXX points, the credit card was then paid off and they did not increase the points they deducted. I think they are still having glitches in their system. Also there is no way to advise them online, they only offer limited dispute features online. The phone representatives say there is nothing wrong. Writing them takes too long.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-10
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: CITIBANK, N.A. (NY)

My credit card was charged on XX/XX/2023, for {$870.00} in a home depot store. 
The card was in my possession at that time, and I was not at that store. Citi claims that since the card was used by chip, I am responsible for payment. I checked on public records, and saw that in year 2023, credit card chips can be counterfeit, so I should not be responsible for this unauthorized charge. 
Citi as well gave me the sales receipt with a unknown signature that's not from me, or anyone I know with items I never purchased.
Consumer complaint received 2023-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Long story short : I have a second hand XXXX XXXX XXXX that is been finance with Capital One Auto Loan.. 
XX/XX/XXXX of XXXX round XXXX I was on a Highway, Car enter into Limp mode, engine light start blinking and car didn't move more than XXXX, I almost cause a accident with a car behind of me... End up calling a a tow company to bring car home and contacted XXXX XXXX immediately the next morning and learn about this car have multiple Recalls but the most important is that XXXX have already a Lawsuit in place and Settlement due the fact this is going on and on, on a daily basis with XXXX XXXX and XXXX XXXX XXXX 

Here is the Link to the Settlement : XXXX XXXX XXXX 

Well I also immediately contacted Capital One Auto Finance and inform me about the situation and they stated their only concern is to get paid monthly for this car loan. 

After struggling for almost 2 weeks Finally XXXX XXXX XXXX in Fair Lawn XXXX XXXX  took the car in on the XXXX of XX/XX/XXXX and few days Later they send a video diagnose of the car stating clearly the same problem of the XXXX settlement with this car and that the engine need to be replace immediately. I learn this can take weeks and or 2-3 months before they can replace this engine due the long wait for new engines for other cars with the same problem.. 

I have been renting a car out of my own pocket due the fact that XXXX XXXX doesn't have car for loaner and they stated that per the settlement only after the car is repair/engine change I can go ahead and summit the rent a car receipts for a reimbursement as well the tow reimburse. 

I CONTACTED CAPITAL ONE AUTO LOAN IMEDIATELY AND THE INFORME ONCE AGAIN THEY ONLY CAR ABOUT MY PAYMENTS
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I wanted to accredited my fandual account for {$60.00} but the company claimed it was denied by my bank. The funds was still taken out but never accredited to my fandual account. They told me to contact my bank. I filed a dispute and my account received a temporary credit by my bank. I then received an email from my bank on XX/XX/2021 stating they will be removing the credit because I was at fault l. I then ask my bank for the document that shows me at fault. The document i received was the bank just approving the charge out of my bank which is why i filed the dispute in the first place. I called and spoke to supervisor at capital one 360 bank and he was very rude and stated for me to send my documentation to XXXX. I then received an email from that email stating they can not help me today XX/XX/2021. I then called the bank again which lead to no resolution.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NV)

Student loans were on a long pause since COVID with the intention to resume payments for everyone on the " federal pause '' by the end of XXXX. This information was received by an email directly from the Department of Education. 

As of today, I have noticed in my spam box that " NELNET '' has a past due amount for me. 

I have NO ASSOCIATION WITH NELNET, Never gave permission for them to have my loans. 

I have been scammed. I need accountability.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on ALLY FINANCIAL. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. ALLY FINANCIAL XXXX
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX