davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

Subject : Dispute of Incorrect Debt Reporting by Credit Control Services Dear CFPB, I am disputing an erroneous debt claim on my credit report by XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MA XXXX ( Tel : XXXX ). The reported debt to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX ( Tel : XXXX XXXX ), has been fully paid. 

According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of this false reporting. Please provide proof of this debt or remove it from my credit report. 

Kindly confirm in writing once this matter is resolved. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently found out having to have my credit checked that I was a Victim of Identity Theft. identity thief used my personal information without my permission to open an account with Capital One. After sending in my Police Report and other affadavits to XXXX XXXX, XXXX and XXXX and has now put this Creditor on, as Charged off as XXXX XXXX
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (GA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 4. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 
5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

i received a {$250.00} American Express Virtual Gift Card last XXXX and i have tried to use it several times online, over the phone & in person ( for far smaller amounts than {$250.00} ) and every time it gets declined. i have called the XXXX customer service line for american express gift cards twice and explained the problem to try to find out what the problem is and they just keep telling me that the places i'm trying to use the card have it blocked because it's an 'unregistered " gift card and that AMEX has added protections on the card... .essentially they can't tell me why it's not working. i keep asking them why i can't use it where i would normally use my AMEX credit card and why major vendors like XXXX are rejecting this card and they just keep repeating that i should try the card at other vendors. no explanation at all. i googled it and found tons of other people with this same issue. i just called AMEX again and asked what i'm supposed to do if it keeps getting rejected? will they transfer the funds to a new 'registered ' gift card that will work? their response is that i should keep trying to use it at other stores. not helpful at all. so i have a {$250.00} gift card that is useless.
Consumer complaint received 2022-11-06
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. (PA)

In accordance with the fair credit reporting act 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

There was transaction of {$9600.00} debited from my Citibank Savings account on XX/XX/XXXX and another transaction of {$9000.00} was debited from my Citibank Checking Account on XX/XX/XXXX as well. These transactions are neither approved nor recognised by me. Upon inquiring Citibank claimed that " returned unpaid '' checks for these amounts from unknown user were deposited in my account ( There is no history of these deposits which they say happened in XXXX. I am a XXXX  resident and have not been to XXXX  in the past many years. They said that they need to inquire on how the debit happened.. but never got back to me. It is already more than XXXX  days. 

I am attaching the Fraud checks that Citibank says that they were deposited into my account ( but they do not have any credit transactions for this ). But, since these checks were bad.. they debited from my account.

To summarize, they debited money from my accounts claiming that they credited Fraud checks ( but in reality there were no Credits .... .only debits happened )
Consumer complaint received 2017-07-18
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. (NC)

removal of lien comments from my file. Three previous attempts with Equifax over the last 5 years. Detrimental to my employment.
Liens have been released and are no longer being reported by the other   XXXX    agencies.
documents were resent and returned because the recorded used the incorrect last name when cataloging the documents. letter dated  XX/XX/XXXX  addressed to   XXXX   XXXX  , with an old address.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 the 15 U.S.C 1681 Accounts 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 1681 s-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 2023-01-10
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. (PA)

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. Account name : dept of ed/XXXX # XXXX XXXX, Account name : XXXX XXXX XXXXl # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (UT)

I deposited a check from a lawsuit with the XXXX XXXX XXXX XXXX XXXX. The victims won. The banking company who was selected to disperse payment tried to deposit my payment 2 times through XXXX to my Chase checking account. Chase declined the XXXX payment 2 times. So the company mailed me a check. I tried to deposit it via mobile deposit through chase app. The rejected it for unknown reasons. They told me to take it to a branch. I did. I deposited at my local branch. They said it was accepted and good. The next day it was rejected. I called chase customer service 5 times and was transferred 11 times and cut off 4 times. They gave me the run around. The last customer service manager wouldnt tell me why my check couldnt be accepted. She said the image was not up to par. Even though my local branch accepted the hard copy of the check. She then got smart with me and was rude and was short with me. Then I got cut off. Chase wont help me. They wont accept this deposit from a XXXX dollar lawsuit with the XXXX. Everytime I try to resolve this it brings up past trauma and Chase seems to find it funny eveytime I have to deal with this deposit and past trauma. Im thinking of contacting an attorney.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2023, I navigated to the Experian website to temporarily un-freeze my account so that a vendor could verify my credit history. I was unable to log onto www.Experian.com, although I could log onto www.experianidworks.com. The ID Works site would not allow me to unfreeze my account, and I was unable to log onto the Experian.com site so that I could unfreeze there. ... The " forgot password '' function did not recognize my information ; however, if I tried to set up a new account the site said " account already exists. '' ... I called customer support, and got the same error message with their assistance. Customer support said I needed to talk to someone else " by phone '' ( I was already on the phone ), and they transferred me to a generic auto attendant to enter information that I'd already provided. ... I tried a handful of other numbers and got the same auto attendant. It kept redirecting me to the website, or offered to follow up by mail. At no time could I access a live person. ... So, I spent about 2 hours in circular customer support directing me to the same sites and auto attendant that did not fulfill the need. ... I finally reached out to Experian via XXXX and got a message " we're gone for the day ''. ... After several hours of this mess I gave up. I can not unfreeze my Experian account, and this has caused problems with setting up a new account with an ISP, so I can't yet get Internet service at my new home. And this mess just a day after selling and buying a house/condo all in one day. I can do major transactions easily but can not do a simple unfreeze and its messing up my life.
Consumer complaint received 2024-04-11
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: DAIMLER TRUCK FINANCIAL SERVICES USA LLC (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear DAIMLER TRUCK : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX, XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (CA)

Self Financial Inc does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Consumer complaint received 2023-01-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and immediately update or correct them 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

REQUEST FOR OVER 2 YEARS FROM THE CREDIT BUREAUS VALIDATION OF DEBT WHICH THE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS ALL THREE CREDIT BUREAUS HAVE FAILED TO VALIDATE THE DEBTS FOR OVER THREE YEARS ACCURATELY, I HAVE SENT 1ST LETTER, 2ND LETTER, 3RD LETTER OF VALIDATION WITH NO SUCCESSS.

I HAVE SENT LETTER TO THE CREDIT AND HAVE BEEN EXTREMELY UNSUCCESSFUL IN RECEIVING ANY INFORMATION REGARDING THE VALIDITY OF THIS DEBT SO NOW I AM REQUESTING YOU STEP IN IT HAS BEEN 2 YEARS I AM REQUESTING VALIDITY INTO THIS DEBT COMENITY BANK/VCTRSSEC - score impact : low Summary Details Transactions Source : Credit Report As of XXXX XXXX, XXXX Account # XXXX Account Status CLOSED_CHARGE_OFF Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit {$610.00} Recent Payment History - - - - - - - - - - - - Days Late - 7 Year History : 30 : 0 60 : 0 90 : 0 Creditor Remarks Purchased by another lender Account Type Charge Account Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$860.00} Term Length 0 Month ( s ) Payment Frequency -- Account Rating Payment after charge off/collection Account Description Individual account, Revolving, Charge Account
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This bank, XXXX XXXX XXXX, has been harrassing me since the last year when I closed the account with them. I made the last payment of {$100.00} and request to close the account on XX/XX/2022. 

Since then they are still and continually harrassing me with late charges, even though, I request the closure of the account. 

Im tired of this situation. Previously to this, I filed bankcruptcy and this bank was included in the bankcruptcy. They all the time are over me harrassing me. 

Please intervene so they stop this practice.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Since XX/XX/2023 I have made several attempts with XXXX, Tel : XXXX and on XX/XX/XXXX & XXXX, XXXX  at XXXX to have my credit files unfrozen so that I can review my FICO score and credit report. 

I was routed to a call center in the XXXX which I find appalling considering I have already been the victim of identity theft, and it is a known fact that the XXXX is a hotbed for identity theft. Why is my credit file outsourced to the XXXX? 

Despite repeated calls, I am still unable to obtain both my FICO and credit report from XXXX. I can not speak with anyone in the United States, or at a corporate level to resolve the issues. 

I need help as I am a XXXX 100 % Service-Connected XXXX XXXX Veteran and this is tantamount to elder abuse. 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

My private student loans through   XXXX   XXXX   charge wildly different interest charges each month. I have been paying the loans for over 3 years now and have barely made a dent in the principal ( about {$1500.00} over 3 years. ) I have car payment and mortgages where the principal balance actually decreases at a great rate than these loans.
My monthly payments are {$220.00} a month On  XX/XX/XXXX  I paid {$170.00} in interest and {$43.00} towards the principal The next month I paid 1 day later on XX/XX/XXXX  and paid {$180.00} in interest and {$43.00} towards the principal. 1 day difference in payment makes that wild of a difference in interest??
On  XX/XX/XXXX  I paid {$150.00} in interest and {$68.00} in principal The next month I paid on the SAME exact day and still ended up paying greater interest  XX/XX/XXXX  {$170.00} went towards interest and {$52.00} towards principal.
These are predatory loans and the company will not send me proof of my signed Master Promissory Note showing that these are in fact my original loans. I will not be making additional payments on these loans until they can prove that everything is correct on my account. I will be disputing this fraud on my credit report as well.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lenmo Inc (OH)

Balance from Lenme Loan for {$150.00}. Received email regarding payment due, but, message included " With a perfected security interest, Lenme is now permitted to foreclose on and seize all your assets, unless you resolve the outstanding obligation. This is your last chance to delay the lien by paying the outstanding balance but clicking the link below ''
Consumer complaint received 2023-01-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (TN)

My family and I were moving out of an apartment complex after our lease was ending to move closer to work. We Moved into the apartment complex in XX/XX/XXXX and move out before XX/XX/XXXX. The leasing agent sent me an email unsigned stating that we still owed {$1800.00} however, they reported {$10000.00} on our credit report for the unpaid balance. I have a written notice from the agency stating that {$1800.00} was all the money owed to them. They also threaten us with this statement ( Demand for possession is hereby made. You are hereby given notice to vacate the dwelling WITHIN ONE DAY of the date on this notice ( four days if the notice was mailed ). Your failure to move out then will result in appropriate legal action by us before the Justice Of The Peace. ) Nothing in the apartment was destroyed just normal wear-in-tear that is common among occupants. Finally, I believe that the law allows up to 30 days in court.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.