davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Highland Capital (KS)

Received a phone call from a man claiming to be in the same county as I. He said he had legal paperwork to deliver, and that I was being sued by a company called Northwind Associates for an unpaid debt from 4 years ago. I asked what the debt was and he told me I had to call the company. He gave me a case number and I called. The man who I spoke with asked me to confirm my identity by giving my date of birth. He had my correct address, phone number, and email address. He proceeded to tell me that the debt needed to be paid otherwise I 'd be required to go to court. He offered me a settlement of {$670.00}. I paid it. I had remembered taking out a payday loan, but now that I 've done my research ( too late but I was TERRIFIED of having a man stalk me to hand me court paperwork and be sent to court or jail! ) I 've found that Northwind Associates is a scam company and they 're not legitimate at all. 

I just gave birth XXXX months early to a baby boy XXXX until XXXX, if not later. These people contacted me XXXX. I lost my job due to going into XXXX. I can no longer work because I 'm on maternity leave and once my leave is up, the XXXX is over ( I worked at a XXXX ). The income of relied on to save up and be able to buy my baby his necessities for life has disappeared due to giving birth XXXX. And then these jerks come along and scam me?! Now I 'm out {$670.00} and with our XXXX income completely gone ( my husband is military so we have that ) and a baby in the hospital over XXXX, we 've been cheated and done wrong. I am so heartbroken and sick over this.
Consumer complaint received 2023-03-17
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXXXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-20
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. (NV)

I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that XXXX never contacted them. I submitted my police report and FTC fraud report showing these are not my accounts. Don't verify using E Oscar or secondary bureaus. I called XXXX, XXXX and they both said that Equifax never called them to verify the fraud.
Consumer complaint received 2023-09-02
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports without my consent 15 usc 1681 section 602 i have the right to privacy 15 usc In accordance with the written instructions of the consumer to whom it relates Please remove
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Well, Ive had this account since XXXX and I havent had a problem with it up until XX/XX/XXXX. They cashed a check for me. It was a two party check that belong to a friend of mine that I had cash for him and they told me that it didnt scan or something like that if I was gon na put a hold on this account and closed it through the first of XX/XX/XXXX Ive tried everything to solve the problem but I cant do any thing other than what Ive already done about it. The guy that originally wrote the check is my boss and he cant recall the money because its in my bank and now my money and he cant take money from my account and the guy that I cash the check for Has passed away may the XXXX XXXX Ive give her phone numbers Ill give them addresses are done everything that they ask to get my money but its still locked up and theyre closing my account out please help me. I worked real hard {$750.00} for my money its about caused me to lose my car over this, I appreciate any help I can get in. Thank you.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-25
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. (SC)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} WXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-04-01
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)

To whom it may concern : Upon reviewing my credit report, I have identified unauthorized and fraudulent credit inquiries made by the entities listed below : Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

I hereby assert that I did not provide authorization for these companies to access or review my credit report. Furthermore, I did not consent to Experian including this information in my credit report. These actions violate Section 1681b ( c ) of the Credit Reporting Act and infringe upon my privacy rights.

I respectfully demand that you confirm the accuracy of this information with the aforementioned companies and provide me with copies of any documentation associated with these accounts that bear my signature, indicating my approval for these inquiries.

Moreover, I request that Experian produce a contract between myself, as the consumer, and the company, establishing my consent for them to furnish any information on my behalf. This contract must include my signature. 

If no such documentation bearing my signature is provided, I formally request the expeditious removal of these fraudulent inquiries from the credit file associated with my Social Security number. 

Please be advised that under Section 611 of the Fair Credit Reporting Act, you are obligated to produce the requested contract and conduct a thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-21
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)

Take a moment to examine the attached documents. I want the bureau to start an investigation into these accounts, as my payment history is consistently on time, contrary to the erroneous reporting.
Consumer complaint received 2023-12-21
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. (CA)

I REQUESTED TRANSUNION TO REMOVE THE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS IT IS A DUPLICATE ACCOUNT OF THE XXXX XXXX XXXX XXXX WHICH ALSO APPEARS ON MY TRANSUNION CREDIT REPORT
Consumer complaint received 2024-04-01
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (TX)

I took out a loan for {$1100.00} in XX/XX/2023. I paid {$680.00}. I called and asked them to reduce my payment and to work with me on a payment plan they told me they could not do it. but that if I paid {$100.00} extra, I could call and try to negotiate it after that but my interest continues to accrue daily. the agent processed that payment over the phone. I made the extra payment and I still can not resolve it. As of today, my loan is {$1400.00} outstanding in addition to the {$780.00} I already paid.
Consumer complaint received 2023-12-21
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. (TX)

I was recently involved in breach and Identity theft as well as I have disputed inaccurate information on my report and TransUnion has used stall tactics and as well have not properly re-investigated disputes. I recently filed a lawsuit on a few of the entities and won and TransUnion is still reporting. TransUnion is also reporting experience and transactions on my consumer report that I did not give written consent to report. I am asking for your assistance in mediating these issues. They have caused me and my family financial stress and detriment and I seek remedy.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

My name is XXXX 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.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, Truist garnished {$490.00} from my checking account. I filed a complaint with CFPB bearing case number XXXX. On XX/XX/XXXX, Truist responded with a one page letter and photocopied attachments titled " Bank Services Agreement ''. In its response, Truist argues that " the ability to collect these funds is in accordance with Section G.7 of Truist 's Bank Services ... .The current amount due is {$3600.00}. '' While Section G.7 discloses Truist 's right to set off an account without notice at the time of the reset, Truist is under obligation to inform me of the charged off in writing it said occurred on XX/XX/XXXX. Under federal law, Truist must submit prompt notification to the consumer of its intent to charged off and eventually do so. Banking laws pursuant to 1692 et seq. provide that a creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. In this case, LightStream recorded my last payment on XX/XX/XXXX in the amount of {$110.00}. Since then, my records show NO EMAILS originated from LightStream to my email box at all. In addition, I received no emails from TRUIST regarding any matters concerning LightStream and the charged off. 
Moreover, under Section 1692, a charged off account occurs when a consumer fails to make monthly payment for six consecutive months. This is NOT the case here. LightStream 's email verify the last confirmed payment was XX/XX/XXXX. XXXX months from XX/XX/XXXX would be XX/XX/XXXX. LightStream 's own evidence proves the charged off was illegally implemented prematurely and in violation of Section 1692 of the Federal Code. 
I have attached two documents : ( 1 ) LIGHTSTREAM COMMUNICATION SCHEDULE XXXX through XXXX and ( 2 ) LIGHTSTREAM PAYMENT SCHEDULE XXXX through XXXX. These documents proved that LIGHTSTREAM 's legal form of communication with me was only by email. 
Although Truist claims that the charged off was on XX/XX/XXXX, LightStream 's last communication to me regarding the account ending in XXXX was on XX/XX/XXXX. The XX/XX/XXXX email was not regarding the charged off. Typically, most financial institutions charge off an account after 180 days, or six months, of nonpayment. Before that time, they may use various methods to remind the borrower of the payment schedule such as calling the individual and sending them letters. In this case, records show that LightStream used NONE these various methods to remind me of my payment schedule ( see attachments ).
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

MOHELA changed my payment amount to the wrong amount, after a previous ( successful ) resolution to a CFPB complaint about the amount being incorrect. 

My payment should be {$58.00}. My account was updated to this amount and it's been correct until today ( XX/XX/XXXX ). Last week ( XXXX ) I received a letter from MOHELA stating that my payment will be {$58.00} until XX/XX/XXXX. This letter was sent in response to the original complaint filed with CFPB. Today I logged on to my account and the payment has been increased to {$150.00}. There was no explanation or notice given, and my payments are set to resume in a few weeks.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America really takes advantage of me. 

1- when I pay a vendor online for a service, Bank of America takes 2 weeks to process the payment. Now the problem is that Boa declined the charge after couple of days and then telling that vendor declined the payment. Worse what boa does is that Bank of America will never return the money. 

I am in a loss as follows : {$100.00} submitted on XX/XX/23 for XXXX XXXX XXXX {$320.00} submitted on XX/XX/23 for XXXX XXXX XXXX I never received the service from this vendor and Bank of America never returned the money. 


Thank you