davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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. (OH)

15 USC 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, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OK)

GM Financial is reporting to the credit bureaus that repossession of XXXX XXXX XXXX took place XX/XX/XXXX. 
The XXXX XXXX XXXX was repossessed XX/XX/XXXX ; one ( 1 ) missed payment. 
GM Financial reported to Consumer Financial Protection Bureau in a previous dispute repossession occurred repossession occurred XX/XX/XXXX. 
I request GM Financial delete this account or correct this inaccurate information provided to credit bureaus.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (GA)

I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (NJ)

XX/XX/2023 my certified letter responding to the debt within the 30 days time frame went unanswered. In this letter I requested proof of debt, itemized breakdown, any attempts previously made to collect the debt. I also requested that all correspondence be done by mail or email. 

XX/XX/2023 I called and asked if my letter was received. They said it had not been although it was signed for. I verbally requested items outlined above. 

XX/XX/XXXX a second call was made in which I was transferred to management and they attempted to get me to talk about the letter. I stated again all correspondence will be done by mail and asked for the items outlined above. 

XX/XX/XXXX I called again to request the items outlined above. I do not have high hopes I will receive anything.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MS)

XX/XX/2022,,,,,, capital one, i made a debt for XXXX and its not pending or posted to my account,,, had this happen to me before by capital one, what it is, is that if its not posted or pending and it drops off your account, then it adds it back to the account and makes the concumer pay high interest and puts the consumer into debt so bad that it ruids there credit and everything else,,,, i was very sick due to this happening to me before, stayed awake for almost a solid week worrying over this same XXXX, im in bad health and, i dont need this at all
Consumer complaint received 2021-05-12
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. (GA)

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DE)

I had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.
Consumer complaint received 2022-12-20
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)

This is my 2ndendeavor 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 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 XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are a few Inquiries showing on my EquifaxCredit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent XXXX letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never ever applied with this Companies for anything and never dealt with them at all. I requested multiple time from Equifax to remove this and or validate this and they never sent me any validation. I request that Equifax please either send me the supporting docs to validate this and or remove them from my report immediately
Consumer complaint received 2024-01-18
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: BANCO POPULAR DE PUERTO RICO (TX)

This is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. You are clearly furnishing inaccurate information for the " date last active ' and 'date last reported '. I have already informed your company of this error and you have yet to remedy this. ELOAN re-aged account XXXX. Re-aging is when a debt collector changes the date of last activity on a debt to a more recent date than is accurate. I will include a copy of my credit report to show the inconsistent dates. I have already given you a chance to fix this now I am demanding that the account is deleted from my credit report due to illegal reporting. Disputing a debt is not considered activity on the account. Falsifying account information like this is a violation of the Fair Credit Reporting Act. If this account is not removed within 14 days, I will seek the possibility of hiring a consumer attorney. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Consumer complaint received 2023-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

Received 3 month XXXX XXXX XXXX to start XX/XX/2023 and made first payment XXXX, XXXX. Sent {$1900.00} to cover what I thought was {$1900.00} payment. 

Sent XXXX, XXXX  payment of {$1900.00} which was returned to my bank. 

When called to find out why was told it was cancelled. Initial reason was because payment was short {$5.00} due to error on my part. I thought the payment was {$1900.00} and payment was actually XXXX. I explained that my eyesight was really bad and that I had been ill with a severe XXXX XXXX so it was an honest mistake. I asked to immediately send them the payment back plus the short amounts for XXXX  and XXXX.

However please note the XXXX  payment in the same amount was NOT returned so i was not aware there was a problem. I didnt get a letter or a call from XXXX XXXX 

They told me I would have to send an appeal. I sent an appeal to reverse the cancellation and i called XXXX times to follow up and was told each time a supervisor would call me back and never received a callback. 

I called on XX/XX/2023 to find out if was resolved yet and was told it was denied and had been cancelled because they didnt receive the assumption package! ( Letter attached ) My attorney had sent the assumption package on XXXX XXXX ( email and docs attached ). Please note the date given for receipt of assumption package was 60 days from XXXX XXXX. 

So we actually had until XXXX XXXX to submit but they cancelled in XXXX! 

This company needs to be shut down.
Consumer complaint received 2023-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (IL)

I purchased a prepaid visa giftcard from a XXXX store on XX/XX/XXXX. I attempted to use the card yesterday, but it was declined. When i phoned the VISA automated line for futher information, I learned the card had been used on a website called, XXXXXXXX XXXX on XX/XX/XXXX, XXXX. This was a fraudulent purchase. I am hoping to get reimbursed for the {$100.00} that was initially on this card.
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Comenity Capital Bank, part of Bread Financial, creates late fees by setting an arbitrary cut-off time to submit payments on your due date. The self-imposed time of XXXX XXXX is there for no reason other than to generate revenue for Comenity Capital Bank .

At this point, my debt with them should have almost been paid off if it wasn't for this practice. I have never, NEVER, been late more than a day and that is only because of this arbitrary cut-off time, they have created.

I have tried many times to work this out with them. They stonewall me at every turn, They claim the cut-off time is so they can take payments out the same day ... that has never happened. They take it out almost a week later in some cases the payment date. ( will attach proof, payment made on XXXX taken out on the XXXX ) In most places, the quickest turnaround time for payments between banks is XXXX day. With the way payments are made through FTP servers and text documents, Their argument that they have set a time limit of XXXX XXXX to make sure they get paid the same day is laughable. They have caused multiple late fees while I still have XXXX hours left on the due date to inflate their profits. 

For the record, they have made their money back almost in full at this point if not completely. They aren't out any money, there is no risk on their part.
Consumer complaint received 2024-01-18
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. (NY)

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 Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 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 2024-01-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX with XXXX miles. Not even 5 days later and less than XXXX miles, the engine blew. 
They were required to replace it due to XXXX  Lemon Laws and promised me an engine with less than XXXX. Instead on XX/XX/XXXX I show up to get the car and they had no information on the new engine. 
It took nearly an hour and a half to get the requested documents and come to find out, they put an engine with XXXX miles in it and they gave me the written warranty as well. 
Fast forward to XXXX, XX/XX/XXXX, less then 3 months the engine blew for a second time. They took it in on XXXX, XX/XX/XXXX. I had to call the next day to learn that the engine seized and I needed a new engine for the third time. 
Since Monday, XX/XX/XXXX I have been waiting on a call from the general manager and instead others call me. 
Today, they wanted to install another engine with absolutely no information. They don't have a vin number or the number of miles. Their mechanics actual said engine mileage doesn't matter. 

I have spoken to Capital One, the financer of the loan and they are willing to do a flat-cancel, however, XXXX XXXX is refusing and wants to instead put an unknown engine into my car.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (OR)

I received a debit card from Square ; however, I never signed up for an account. The card also says " XXXX and XXXX XXXX '' on it, and I have never attending the college, worked for the college, or have any associations with the college. I tried calling the phone numbers I found online for Square, to report fraud, but the numbers just hang up on me, then send me a link for a chatbot. I came to a deadend when I tried the chatbot. My problem occurred when the chatbot asked me what the email address on my account is. I never signed up for an account with them so my email address would not be in their files ; however, I entered my email address anyway so I could continue with the chat, then I was given a message saying " enter a valid email address '', and I could not continue any further. They don't have my email address in their files, because I never signed up for an account which is the reason I was trying to get help. I want to know why they sent me a card if I never signed up for an account and report fraud to them, but I am unable to do so. It is very strange that their supposed phone number just hangs up on you and sends a link to a chat, and there is not option to say that I don't have an email address with them. How am I supposed to report fraud?