davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (NJ)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NV)

I moved out of XXXXXXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX. I gave the apartment team my forwarding address twice ; once in a letter and the other when I dropped off my keys. I never received a final invoice from them. 
At some point, they transferred the debt to Procollect , Inc, who also never sent me an invoice. On XX/XX/XXXX, they reported that {$210.00} was in collections to the credit reporting agencies, which reduced my credit score by over XXXX  points.

Since Procollect , Inc did not mail me a letter about the debt they claim I owe, I was not able to review the claim and they did not have the right to report the debt to the credit reporting companies.
Consumer complaint received 2023-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of an identity theft, and for the past few years I have been trying to remove the fraudulent accounts from my credit report. I have contacted the bureaus and creditors to let them know that the accounts are not mine, the charges are not mine. I have no idea who and how these fraudulent accounts were opened. I am veteran of the XXXX XXXX and I am conforming that these 2 accounts were opened fraudulently, the charges are not mine, I did not authorize the accounts to be opened.
Consumer complaint received 2023-12-07
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (GA)

Upon reviewing the information provided to me, I have identified several discrepancies and concerns regarding the debt in question. It is imperative that these concerns are addressed and clarified to ensure a fair and accurate assessment of my financial obligations.Firstly, I request that you provide me with detailed documentation verifying thedebtor'slegitimacy, including the original creditor 's name, the account number, and a complete payment history. This information is essential for me to evaluate the accuracy and validity of the debt in question.Additionally, I exercise my right to request a complete accounting of the alleged amount owed, including any interest, fees, or other charges that have been added to the debt. It is crucial that I am provided with a comprehensive breakdown of all charges associated with the debt, allowing me to evaluate their accuracy and legitimacy.Furthermore, I would like to bring to your attention that I dispute any responsibility for this debt based on the following grounds : Lack of Validity : I have no recollection or knowledge of entering into any contractual agreement with the original creditor for the alleged debt. Therefore, I request that you provide documented proof of the contract 's existence and my consent to it. Based on my understanding of the applicable state laws, the statute of limitations for pursuing legal action on this type of debt may have expired. I request that you verify the statute of limitations and provide evidence that this debt is not time-barred making this false
Consumer complaint received 2020-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was enrolled in the hardship program with XXXX XXXX credit card beginning in XXXX of XXXX and following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX of XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXX of XXXX which shows payed before due date and posted.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (NY)

Upon receiving a copy of my credit report. I realized there were several inaccuracies .I noticed a different social security number not mine.

I noticed addresses that were not mine.

I have one address : I have 1 social security number. 
I sent Experian a certified letter with my concerns.on XXXX Which the received XX/XX/2023 I sent to them a copy my license A copy of My social security card A copy of My utility bill I have been at my current address for over 20 yrs. 
The only thing they updated on XX/XX/2023 was my name. Not the social security number or my only address. 
I only want accurate information reflected on my credit report and these items are not accurate. Im not sure at this point if there was any identify theft or anything in accurate since I do not recognize address or a social security number reporting on my credit report.
Consumer complaint received 2024-03-19
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-07-10
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: CITIBANK, N.A. (AZ)

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by CITI ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

Over the XX/XX/2023 statement period, I used American Express 's " Pay It '' option to pay off individual purchases. However, these payments were not applied to those purchases as American Express advertises and discloses in their " Terms ''. Instead, these payments were applied to their " Plan It '' feature ( you can " Plan '' large purchases to be paid off over months ). This resulted in a monthly statement bill 3 times the size it should've been. This is an issue American Express is aware of, but has taken no action to fix. After talking with customer service, they made me aware that this is an ongoing issue that they receive complaints from several users about on a regular basis. Customer service would not correct American Express 's mistake in their misapplying the payments ( I wanted them to apply the payments to the correct transactions ), and instead only offered to refund me those payments.
Consumer complaint received 2023-05-19
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. (TX)

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. 

XXXXL XXXX : XXXX, XXXX, has violated my rights. 

XXXX5 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 2023-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One regarding late payment from 2017. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Forged financial documents when we applied to refinance our loan in 2008. We where unaware they did this until recently. Bank of America then tried to foreclose on our home based off of forged financial documents and forged signatures. We did not have the assets they claimed we had at the time of the refinancing and we were never given any of those documents. Bank of America then placed over XXXX in fees to our original mortgage of XXXX making our loan over XXXX off of a forged refinancing loan. We ask that Bank of America place our loan back to the original amount and take off all of the fees they placed after forging and lying on our refinancing loan. Ho is Bank of America allowed to get away with breaking the law and adjusting loans based of forgery and deceit? 

We want our loan to go back to the XXXX and all the fees placed to be taken off.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a guardianship account with Bank of America- who I have banked with for many years. I opened this account to assist my incapacitated brother with his affairs. I was told by the office that I could not have a debit card or checks. This is utterly ridiculous as the reason why this account was created is to help him with his bills! I will have to pay rent and other bills for him - I am told to transfer the money but his money will be mixing with my own and this is not how I wanted to handle this. I have to give an annual statement to Social Security Administration every year- this will not help me show the agency show how the money is being used. 

I also have to speak on the terrible experience I had when attempting to open this account. I had to complete a two step process to open the account. It took more than two weeks to open this account as the first approval code expired and the process started all over again. This bank is too big to have such a poor processing system when it comes to these type of accounts. It is very much old school and very outdated! 

Also, this bank keeps placing holds on my check deposits that are very small deposits. My bank history should be taken into consideration and funds release immediately! It is not like I am putting in a deposit for XXXX or more. This bank put a check hold on a government check - unreal and uncalled for!
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (UT)

I leased a XXXX XXXX XXXX through VW Financial / VW Credit XXXX I have paid off the lease a month ago ( XX/XX/XXXX ) and I still haven't received my title. I have contacted the company multiple times since paying off the loan to check the status of title and every time they tell me a different time frame. Latest call was on XX/XX/XXXX and they told me there is no ETA for the title release. 
They keep making an excuse that they have a new title vendor because of which it's taking long and they are unable to provide any ETA since its a third party vendor. 
They do not provide any escalation reference number nor any email to confirm whether the request has been escalated or not. 
Rep that I spoke to on the phone on XX/XX/XXXX said that they haven't even sent out the titles for the payoffs that they received in XXXX. 
Please look at this request on priority as I am suffering a financial loss because of this issue. I am paying for the insurance for the car that I don't need and the car value is depreciating on a daily basis.