davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

This is my second complaint submitted on the Experian. The first complaint was closed and the company stated that they need my authorization to proceed with the complaint. I called experian today to give them authorization and was told that the entire complaint had been closed and that the Experian representative stated that there was nothing she could do on her end to " authorize the complaint ''. I really feel like this company used the am also documented all of these issues Im having with getting Experian to investigate violations on my credit report! 
Experian 's response " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. '' I now give experian verbal as well as written authorization to proceed with my complaint. I have also provided my drivers license, social security card, and utility bill to help prove my identity. Please proceed with this complaint as I requested. 
XXXX XXXX XXXX Original Complaint : I have reach out to Experian 3 times within the last 35 days trying to submit a dispute via phone, mail, and online. So far none of the dispute methods have worked and none of the accounts are showing in dispute. I sent my first letter to experian on XX/XX/2021 requesting the re-investigation of two accounts that experian claimed to have investigated for inaccuracies and verified as accurate. I also submitted new evidence which shows that inaccuracies on that are still reporting despite experian verifying these accounts as accurate. If these accounts were verified by Experian or the creditors then it is clear that both parties are providing misleading and false reporting and have failed to ensure complete accuracy of the information that is being furnished on my credit report. I'm requesting the removal of the the XXXX account # XXXX and the XXXX XXXX Account # XXXX because I notified Experian several times that these accounts continue to show late payments after the accounts were closed and or charged off. This is a violation and creates a misleading payment history on my credit report. I'm also requesting that the late payment for my XXXX XXXX XXXX XXXX account # XXXX be updated to paid on time for the month of XX/XX/2021 because I have always paid this account on time and as agreed
Consumer complaint received 2023-03-15
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. (AL)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-06-22
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 {$9800.00}, {$2900.00}, {$6000.00}, {$3500.00}, {$4000.00}, {$2600.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Consumer complaint received 2021-06-21
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: TRUIST FINANCIAL CORPORATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (PA)

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I submitted a dispute in XXXX for a charge from merchant that I had returned the item for as they had not sent me the complete product in an email the company that I had purchased the product from through this credit card at Citi said that they would refund me the full amount once they received the product and they had received the product but said they had not opened the box so I just submitted a dispute with City to get the money back and then of XXXX of this year after submitting the requested information City had asked me to submit showing the merchant had said they would refund me the money and not. They denied my dispute which was a total amount of {$750.00}. I had also paid over {$100.00} to ship the product back to the merchant so I am now out over {$850.00} in total.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Benworth Capital Partners LLC (AL)

I applied for PPP through XXXX for my business XXXX XXXX XXXX XXXX on XXXX. I was approved for the amount XXXX on XX/XX/XXXX. I had my deposit going into my XXXX account and they rejected the payment XXXX. So I had to re-submit my bank info XX/XX/XXXX and it verified XXXX. They ( Benworth ) said my payment was sent out again and accepted by my new bank info on XXXX. But I have yet to receive anything. I have contacted my bank and they asked me for a trace id number. I contacted Benworth Capital llc again and they refused to give it to me. Said they didn't have that information. Since then I have been calling and sending emails, no one will respond. I am aware there is a time frame and the systems are busy. But it has been past that time frame and I feel that they are neglecting me at this point and have breached this contract
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

they charged me three fees illegally. I told them if they didn't put the money back into my account I would pursue the matter into court. they refused to contact me. When they did finally contact me they knew it was a day I would be at work and could not talk with them.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR CREDIT FRAUD DEPARTMENT XX/XX/XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONSUPERVISEDRELEASEINXXXX 5 ) PROOFTHATIWASLIVINGINXXXXUNDERSUPERVISIONUNTIL XX/XX/XXXX 6 ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXXXXXX XXXX and Probation/Supervised Release living in XXXX XXXXXXXX New York XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or supervised release without having to go through my Probation Ocicer. 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : TOYOTA MOTOR CREDIT opened on XX/XX/XXXX, while I was under Federal Custody I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (GA)

XXXX, Equifax & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Payoff process — 
Company: Bread Financial Holdings, Inc. (MO)

XXXX offered 48 month low APR promo. Made purchase - program kicked in and minimum monthly payment due 's force the consumer to pay off in 21.5 months - not fully allowing the use of the 48 month program. ( The payment does include the monthly finance charge of {$15.00} - FYI )
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sezzle Inc. (NY)

My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.
Consumer complaint received 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MN)

My mortgage was in the rears for more than 12 months. Mortgage company hired XXXX XXXX XXXX XXXX XXXX XXXX to conduct a foreclosure on my property. The scheduled date for the sheriff sale was XX/XX/2024. On XX/XX/XXXX I called mortgage company to schedule a payment plan. They agreed to take {$300.00} per month and took {$300.00} on the same day. They also took another {$300.00} on XX/XX/2024. However the foreclosure sale still happened on XX/XX/2024 even after they have taken my two payments. Mortgage company has entered into an illegal Dual Tracking and in the state of Minnesota this is predatory and highly illegal. I called mortgage company several times and after a couple of weeks of giving me the run around they told me that there is nothing they can do. I proceeded to contact XXXX, XXXX XXXX XXXX XXXX the attorneys in charged of the foreclosure sale on XX/XX/2024 and spoke to attorney XXXX XXXX who asked me to submit proof of my payments which I emailed to him on the same day. After no reply for more than 10 days I emailed him back inquiring about my case and he responded " We have forwarded your file and your messages to Shellpoint and escalated them as a matter to be investigated in a timely manner. '' As of today no response has been received.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

I received a XXXX XXXX XXXX XXXX  while working for XXXX XXXX. I no longer work for XXXX and would like to cash out this card. The original card is lost. I am being blocked from accessing my funds which I believe are in the amount of {$2600.00}. XXXX 's customer service is awful. There is no direct way to get in touch with a live agent at XXXX. I call up, am asked to provide my social security and birthday but no account is found under that name so the automated system hangs up. My old employer XXXX is unable to update my address/ phone number and correct the information that XXXX has so that my identity can be verified and I can get a new card sent out. Fifth Third is the bank that holds the money and issues these payroll cards. I have called them and they tell me the employer need to resolve it. The employer refuses to contact XXXX to resolve this issue but did let me know that when a card goes unused for over 100 days the funds may be taken by wisely as abandoned. The employer is well aware of the issues XXXX has with customer support. I have made multiple calls to Fifth Third Bank and have not been helped with this matter
Consumer complaint received 2021-06-22
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

- XXXX/XXXX/17 I got identity theft and XXXX ( American Express ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX  handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (NC)

I paid off my credit card and per the disclosures I had there was no fee for not using the card. I couldnt use the card if I wanted to. The card did not work. 

I called to cancel my card after I got notice I owed {$12.00} for not using my card. I was notified my card had a block on it due to them not receiving photo ID from me. I was never notified that they needed this. They are adamant they sent me notice but I strongly disagree. 

There is something wrong with this. This is a violation of XXXX XXXX XXXX in lending since they are citing disclosures that were not provided to me.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (WI)

My husband had a credit card for XXXX XXXX and the account was discharged in a Bankruptcy. XXXXXXXX XXXX sold the account to Midland Credit and now they are trying to collect from me for the same amount that was discharged. My husband s lawyer had contacted Midland Credit and they then removed it from my credit report. Now they are again trying to collect from me and are sending me notices. What do we have to do to get them to stop? This is the 2nd time I am dealing with this same issue. Please help.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank Victoria 's Secret is reporting lates on my accounts for XX/XX/20 XX/XX/20. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Comenity Bank Victorias Secret please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!
Consumer complaint received 2019-06-23
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. (OH)

Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school