davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Voss & Klein, LLC (FL)

XX/XX/XXXX, I received letter stating I owed nearly {$4000.00} for a {$300.00} ( XX/XX/XXXX ) boat repair. Repair was not done correctly and bill included items and hours beyond what was agreed upon. Cost of parts and labor were falsely stated. Collection Letter gave no information as required about dispute process, time frames, etc. No accompanying information on alleged debt and debt was stated due in XXXX of XXXX. 

XX/XX/XXXX, I disputed debt to Collection agency asking for documentation and verification of alleged debt be mailed and no contact with me. I learned from XXXX XXXX the debt was referred to credit bureaus on XX/XX/XXXX. 

Owner of collection agency called me on XX/XX/XXXX, when I requested no contact. 

XX/XX/XXXX Collection agencies advised all 3 credit reporting agencies they had validated the debt and met requirements of FCRA. 

XX/XX/XXXX I received notification from my XXXX XXXX subscription that collection agency had reported a second month past due. 

I do not owe this sum. The boat mechanic has come to my home and frightened me, and my boat sank a short time later.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (NY)

I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I responded on XX/XX/XXXX requesting proof of all documentation and sent a certified letter on XX/XX/XXXX requesting they respond in 10 days. It was signed on XX/XX/XXXX. I received no proof or correspondence at all. 
On XX/XX/XXXX I discovered they put a collection account on my credit report for XXXX I want it removed and will hold them liable for any problems it causes with my credit.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-12-12
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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: LEXISNEXIS (MS)

i reached out to XXXX AND XXXX ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP
Consumer complaint received 2022-12-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2022-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2021, I was defrauded for two {$95.00} payments ( total of {$190.00} ) on XXXX and Chase bank never helped me get that back from XXXX XXXX ( phone number XXXX ). Neither Chase or XXXX has taken the responsibility for this fraudulent withdrawal and helped retrieve this month even though this was a scam. They should really take a few steps to help their customers.
Consumer complaint received 2022-10-18
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. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

Citibank has stolen my {$18000.00} checking account and will not give me access to the money. They will not tell me the security failure when i talk on the phone to them.Twice they say they sent a security code to my home by regular mail, but it never arrived and Citibank can not prove that it was returned undelivered. The problem is that they will not explain the security violation and will not send the XXXX XXXX XXXX where there must be a return receipt. It is sent regular mail with no tracking mechanism. For six weeks I have been unable to pay my bills and am in dire financial straits and about to be evicted from my home. I want Citibank to explain in writing the exact security fraud violation and send the code to open the account by XXXX XXXX.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account Mix should not have C grade.Account mix moved from A to C grade. 
There are currently 4 missing accounts not being reported to the account mix  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed loan Please Report XXXX XXXX Account mix correctly Credit Usage should not be N/a XXXX XXXX has XXXX XXXX credit accounts XXXX revolving lower XXXX XXXX usage XXXX XXXX XXXX XXXX  Inquires should not be on B and should be removed from XXXX XXXX credit score Please remove the Inquiry
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

on XXXX XXXX, Equifax is reporting incorrect information. I am very frustrated about it because they are not fixing this issue. The date of my bankruptcy XXXX XXXX is in correct on XXXX XXXX. it is reported that the date filed is XX/XX/XXXX. I did not file for bankruptcy on that date. I filed for bankruptcy XX/XX/XXXX.
Consumer complaint received 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OK)

Our loan originated on XX/XX/2017 with OneMain Financial. When we first applied for this loan, the company did not explain that we were taking out a title loan. We just assumed that we were putting our car up for collateral, but were young and naive and didn't understand what that meant. The company did nothing to explain it to us, and therefore, we ended up owing {$17000.00} on a car that was worth less than {$5000.00}. Since that original loan, we have had to " extend '' our loan several times, especially through covid. There was even an additional life insurance premium added to our contract that we were told we were required to purchase. So, we have been paying 18 % interest on a {$1300.00} now for XXXX years. Currently, when you login to our account, it shows that they total owed is around {$9400.00} but when we call to get a pay off amount, they tell us we owe upwards of {$11000.00} due to the extensions on our account. Again, no one told us about this. Most recently, I found out that a family member of mine went to a local branch of OneMain, the employee ( s ) there gave them ALL of our account information including the interest, amount owed, original amount financed. This seems like a major breach of contract. There are so many issues here that I don't even know where to begin.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2022 I was reviewing my consumer file and realized I had inaccurate late payments reporting under my accounts which is causing me financial damage. I was not noticed and this wasnt brought to my attention which is a violation to my consumer rights. In pursuant to USC 15 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. There was not reasonable procedures conducted upon this situations and addition a creditor cant report an open ended consumer plan late for any reason. I would like to resolve this issue and just have the inaccurate information removed or updated on my consumer report LATE PAYMENTS : XXXX XXXX  XXXX, 2022 XXXX XXXX  XXXX, 2022
Consumer complaint received 2021-01-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-07-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-05-27
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. (FL)

I am writing to dispute the accuracy of information contained within my credit report provided by your bureau, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 EB, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XX/XX/2023 These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments on time during the periods mentioned above. 

Furthermore, I would like to bring to your attention the actions of XXXXXXXX XXXX regarding a XXXX and subsequent repayment plan associated with my mortgage account. It has come to my attention that XXXXXXXX XXXX withheld proper information regarding the terms and conditions of the XXXX and repayment plan, leading to confusion and financial XXXX on my part. Such actions are not only unethical but may also constitute a violation of the FCRA. 

Moreover, despite my repeated requests, XXXX XXXX has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. 

In accordance with 15 USC 1681 EB, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information by XXXX XXXX regarding the XXXX and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided by XXXX XXXX regarding the forbearance and repayment plan. 

Furthermore, I request that your bureau take appropriate action to ensure XXXX XXXX complies with the law and provides the necessary documentation and recordings related to this dispute. 

I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. 

I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IN)

I signed up with Self Financial to build my credit score of XXXX to higher so I could be an first time homebuyer through XXXX. Self has you to pay your money and allow you to borrow from what YOU put in. Within the first 6 months of paying on time and in full, Self never reported to any Credit Bureaus within 30 days and allowed XXXX to decrease my score to XXXX. I contacted Self thinking that they were going to correct it and instead they took NO accountability and did nothing to restore my credit score. Self accounts were closed on XXXX, 2023 and XXXX, 2023. I was notified by Self a few days ago, stating that I owed over an XXXX on running interest and running card account and I haven't used that card in almost an year. They also threatened to hinder my credit score even further if I didn't pay them on this closed account. I contacted the XXXX  and made an complaint and I received another email from an so- called supervisor from self stating I owed XXXX and if I pay it they will report it to the Credit Bureaus and they will close an account that has been closed for months. I declined and received an credit monitoring alert by XXXX, that Self has reported an Major Derogatory mark to the Credit Bureaus and I owe them XXXX. Self is an extremely fraudulent company and is destroying ALOT of people 's lives and credit. They don't offer ANY credit and doing this with the consumer 's own money. My credit should've been restored by Self is intent on extorting it's customer 's based on lies. Closed accounts too. I owe them nothing, my credit should've been restored and I DO NOT appreciate Self or their threats! This Company should not have the control to deplete credit scores and continue staying in business. The XXXX has XXXX 's of complaints on Self 's illegal practices and should NOT be allowed to threatened or extort consumers. They also DO NOT report to Credit Bureaus for 60-90 days because my credit score was lowered even while in good standing and paying on time! Thank you XXXX XXXX
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OH)

The payment that they have me on I cant afford at all and when I was making nothing they had my payment high. XXXX I try to get the information from my taxes and my payment is to high and everything is high when you are trying to get a house and food and kids as well.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

illegally removed over {$490.00} my from Account held at USAA. Never received full amount. Used my fund for XXXX XXXX ; XXXX and other corporations and Union without my consent; not excluding using my account to establish illegal and criminal financial trust account. to include purchasing vehicles known as classic cars for personal gain over the past 25 years ; moreso since the Creation of USAA in 1996.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OH)

I have asked for Ally to send me a payoff quote. I need this in writing. I am told I need to call in. When I call in, I have been hung up on several times and then the phone system seems to not to be working at all. I should not have to talk to them to get a payoff quote. I sent them the request through their secure website, and I have received other information and documents the same way. There is no reason why they should not be able to give me this information in writing. The longer they wait, the more interest is compounding. I am trying to see if I can pay this off now instead of continuing with the high interest rate.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern : I have been a Bank of America Client since XXXX and I opened a Privacy Assist account in XXXXEver since my account has been charged XXXX every month and the service had been disconnected that same year. I called Bank of America several times and transferred me saying that they were not responsible for the refund, so I have been back and forth form the bank to the Privacy Assist help line. 
So, XXXX x XXXX XXXX ( one year ) and XXXX x XXXX = XXXX ( 12 years ). 
I am asking for your help, so I can collect my money back and things would be fare and square. 
Thank you.