davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (NY)

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. 

Furthermore

, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report. U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
Consumer complaint received 2023-11-09
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. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ND)

Accounts with XXXX  XXXX is showing accounts is closed and charge off. While account is charge off and closed, XXXX  XXXX is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a XXXX balance since that account is charge off. 
Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Consumer complaint received 2023-09-04
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 2023-01-05
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Greetings. I have issue with JC Penney. I receive paper credit card statements and noticed a {$1.00} charge for receiving my bill. I called JC Penney and was told terms changed. I relayed to customer service I prefer paper statement and they do not pay for my internet to receive electronic statement. Is it legal for them to charge me to receive my bill?
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (MA)

I had leased a new vehicle from Kia from XXXX and made all of my payments in full and on time each month. At the end of my term, I had returned the vehicle and an additional month was charged and I had no knowledge of it. The debt went on to be 30, 60 and over 90 days late. Ultimately ruining my credit and closing many doors for me for many years. Im still dealing with this issue and all of my efforts made in terms of reaching out to them myself and hiring a company to help me fight this battle were seemingly made in vain. Please help me get my things back in order. I dont deserve this
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

This Bankruptcy accountis being reported on my credit report as if they arethe furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account need to be removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (UT)

I have had an issue with zions bank i know i had the reported charges that werent mine that were reported and i had spoken to a banker about that on the phone and at the branch i do want to express my appology for reporting those charges to you guys that was totally uncalled for i have a major XXXX and it was totally uncalled for. There has been issues with regular banks versus credit unions regarding fees and all sorts of stuff i just want to appologize for that fiasco and apologize to the president and co-founder of zions bank for the issues that i have caused. I just wanted to have my own account and they chose not to have me as a customer my old account number was XXXX and im deeply sorry for all this chaos that was caused i just would like to be compensated for the issues i dealt with zionsbank i just want to see if zions bank would be willing to compensate any sort of money and help me out here i think they handled it very horribly i know i made a huge and honest mistake and im just trying to get this resolved with a relief and monetary compensation for kicking me off their banking system and being rude to a XXXX man but i do want to say im sorry for the charges that were reported as fraud that was a mistake but ill learn from this one. I even asked if i could get my own account and they denied me but its all good just really sucks seeing if you would be able to compensate me at all thanks
Consumer complaint received 2023-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (FL)

My student loans shouldve been discharged in bankruptcy through Navient years ago. I have been paying every since. I am still paying for a loan that was taken out in XXXX. A new court ruling has stated that anyone who had private Naveitn student loans and filed bankruptcy shouldve had their loans discharged but they illegal made us continue to pay and they should be discharged. I tried to obtain a lawyer and they refused to write them off. Now I am dealing with a debt solutions company because the payments were so high I couldnt afford to pay my other bills. I have two loans with Navient. At the begining of XX/XX/XXXX its stated that these loans will in the near future will be fully discharged.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a call from an automated machine claiming to be from Wells Fargo. I hung up immediately, thinking it was a fraud call. 

The caller called back and this time a person was on the line. They asked me about XXXX different transactions that had been made on my account. I told them that I had not authorized those transactions. 

The caller said that they would need to freeze my account and send me a new card. They also asked me to reset my PIN. They said that the fraudulent transactions had been made at an ATM on XXXX XXXX. They even gave me my home address, which they said was where my new card would be delivered. 

The caller then sent me some codes, which they said were needed to access my account to open a new account since mine had been compromised. I gave them the codes, believing that they were from Wells Fargo. 

The caller then withdrew {$700.00} and {$300.00} from an ATM in XXXX XXXX. They had also transferred {$1500.00} from my savings account to my checking account before making the withdrawals. ( XXXX of my XXXX savings accounts is displayed on the ATM screen. ) Wells Fargo filed XXXX claims : XXXX for the ATM withdrawals and XXXX for the unauthorized transfer. However, Wells Fargo denied my claim, saying that they would not refund me because I had provided my PIN to the caller. They said that they only cover unauthorized transactions that the customer did not know about. 

I argued that the transfer was unauthorized and therefore a separate claim. I am still waiting to hear back from Wells Fargo.
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Finance Protection Bureau XXXX XXXX XXXX State Of Michigan Attorney General Consumer Protection XXXX XXXX XXXX XXXX, MI XXXX Plaza Services , LLC has XXXX Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099 B. 
Also, Plaza Services , LLC Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies on my credit report as a means of intimidation. 
They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, anxiety, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to extort money from me. 
The account needs to be deleted from all three agencies now. 

XXXX XXXX XXXX, XXXX. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ENC : XXXX proof
Consumer complaint received 2023-02-16
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. (FL)

On XX/XX/2022, I requested a re-investigation with " EQUIFAX INFORMATION SERVICES LLC '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EQUIFAX INFORMATION SERVICES LLC '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EQUIFAX INFORMATION SERVICES LLC '' with no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures
Consumer complaint received 2023-09-04
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. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX  / XXXX  Account # 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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CO)

We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, Freedom Mortgage, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, Freedom Mortgage, acknowledged that it was their fault and would refund the XXXX payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, Freedom Mortgage, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, Freedom Mortgage, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.
Consumer complaint received 2023-06-20
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)

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX Credit Card and Auto Loan
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (FL)

I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME XXXX, I AM A XXXX, XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2023-09-27
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. (MI)

XXXX XXXX is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan.

Furthermore, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report.

U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALXXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-12-30
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: Kikoff Inc. (GA)

A company named Kickoff has a mission to boost credit. However, they began reporting negatively on my credit reports after canceling my membership with them. This problem started in XX/XX/2023 ; I soon discovered they have no live representatives and can only be contacted through email. After weeks, Kickoff finally emailed me and declared that my account had been closed with no late or balance. However, it continued to report late payments into XXXX. I have contacted XXXX and XXXX, and they have not resolved this problem. This continuous incorrect reporting adversely affects my credit as it is the only late payment ever. Please help me fix this quickly, as Kickoff has wasted months. Listed below is their contact information. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scratch Services, Inc. (CO)

On XX/XX/2023 I received via mail a Notice of Default and Demand for Payment from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I was in default of payment for a SBA loan that I never applied for. The bank issuing the loan is : XXXX XXXX Banking XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is currently in default ( see attachment for the notarized Affidavit of Default/Final Judgement/ Res Judicata dated XX/XX/2023 ) for violation of Capital One Cardholder Agreement and for violation of multiple Uniform Commercial Codes as well as the law. 
Capital One continues causing injury to me, the living woman, and the customer of Capital One by refusing to remove the outdated information from the credit score reporting agencies that they have NOT received my written consent to share such information in the first place. 
Moreover, information that Capital One keeps reporting to the agencies is not valid, nor do they have any right to report something they are in default for. If this illegal and unlawful activity continues then I will have no other choice but to report this criminal activity and to request remedy using my " Fee Schedule - Notice of Intent '' that I previously provided to Capital One and personally to XXXX XXXX, XXXX XXXX XXXXXXXX at Capital One Corporation.