davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

SINCE XXXX WHEN I BOUGHT THE XXXX XXXX XXXX  XXXX. I HAVE BEEN MAKING EXCELLENT PAYMENTS ON MY CAR. IN XX/XX/XXXX, I STARTED TO FACE PROBLEMS MAKING PAYMENTS SO I SET UP AUTO PAYMENT WITH BY XXXX  XXXX XXXX ACCOUNT. PRIOR TO THE START DATE OF THE TIME I SET MY BANK TO START MAKING PAYMENT, I MADE PAYMENT ON XX/XX/XXXX VIA XXXX XXXX BILL PAYMENTS. ON XX/XX/XXXX PAYMENTS WERE MADE VIA MY XXXX  XXXX XXXX AUTO PAY, ON XX/XX/XXXX PAYMENTS WERE ALSO MADE BY XXXX  XXXX XXXX TO CHRYSLER CAPITAL ON MY BEHALF. NON OF THOSE PAYMENTS WERE CREDITED AS A RESULT I BECAME CONFUSED AND FELT CHEATED. I MADE SEVERAL CALLS BUT THEIR STAFF WERE VERY UNPROFESSIONAL. AT THAT POINT, I DECIDED TO STOP PAYMENTS UNTIL MY TWO PAYMENTS ARE CREDITED. I ALSO INFORMED THEM TO STOP CALLING ME UNTIL THEY CREDIT MY ACCOUNT. IN SUMMARY, I FEEL THAT SOMEONE IS TRYING TO FRAUDULENTLY TAKE MONEY FROM ME, DESTROY MY CREDIT AND STANDING AND MAYBE EMBARRASS ME WITH A REPOSSESSION
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (SC)

I completed a Police report on XX/XX/2021. Sent a letter certified mail to AFNI XX/XX/2021 and XX/XX/2021 for validation of the debt and got no response. active fraud alert is on file with all 3 credit bureaus
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-06
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. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-06
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 XXXX Mo XXXX XXXX XXXX XXXX, XXXX, 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 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

Due to Covid19, l had a payment waiver with Navy Federal Credit Union. I was in the payment waiver program when they erroneously reported to the three credit bureaus that I was 30 days p/d. The date was XXXX, 2021 and amount $ XXXXThey admitted the error but has failed to correct the problem. Please have this wrong information delete from my credit profile!
Consumer complaint received 2021-05-06
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: I.C. System, Inc. (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 XXXX XXXX XXXX XXXX, XXXX, 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 2015-04-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ACH Recovery Solutions (NC)

My mother got a call twice on XX/XX/XXXX and then today on XXXX XXXX from a XXXX XXXX at XXXX about a debt that I owe to a online payday loan that was generated back in XX/XX/XXXX and again in XX/XX/XXXX my mother called me about such call and stated that this man keeps calling her house about a debt I owe and he is threating to take court papers out on me if I do not contact him. I called him from my home phone and his number did not allow blocked callers so I called him from my cell number. he indicated that I owe a debt to a online payday loan that I took out in XX/XX/XXXX and XX/XX/XXXX that came to my XXXX account and I requested the true and accurate documents and he stated that I need to go online and research the work " false instrument '' and then for me to go to XXXX and then when I define the word and for me to call him Monday because he is not going to sit on the phone and argue with me about the debt and he hung up the phone.
Consumer complaint received 2021-05-06
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. (TX)

I disputed a collection item twice for XXXX XXXX with Experian. The first dispute was on XX/XX/XXXX. The most recent dispute filed was approximately XX/XX/XXXX and Experian finalized the dispute on XX/XX/XXXX. Once the dispute closed, the collection remains on my credit report and updated to XXXX, thus decreasing my credit score even more. I had sent XXXX XXXX a validation letter on XX/XX/XXXX prior to the re-dispute with Experian. They have not responded directly to me. However, in speaking with Experian 's dispute division today, ( XX/XX/XXXX ) I inquired about what proof of validation they received from the collection agency. I was told that XXXX XXXX responded with they do not have to provide proof of the debt. With that said, Experian still refuses to correct my credit report. The Experian Representative said they can not update my credit file even though the creditor refuses to validate the debt.
Consumer complaint received 2015-09-16
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$14000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (DE)

PenFed is a great company and its folks are good as well. However, my account was fraudulently used in XXXX without my knowledge and PenFed blocked those charges and my account, which was all fine. I have ALWAYS been signed up for FULL Statement Balance AutoPay on my cards with PenFed ; I was still charged interest in the last cycle. PenFed has not been able to resolve this system issue on their end. I can not and should not be held accountable for charges that I did not make and also which were actually blocked by PenFed. How can I be assessed interest on balances that I actually owe, when I am enrolled in Full statement balance Automatic Payment? 

Additionally, I had over {$40.00} in rewards before my card number was changed. All those rewards dollars have now disappeared and I have seemingly lost the rewards I had earned on all my spend on the prior card number. Incorrect.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and TD banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Consumer complaint received 2023-02-21
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. (NY)

I never gave Transunion my XXXX written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Consumer complaint received 2021-05-06
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. (FL)

hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glass Mountain Capital, LLC (VA)

On XX/XX/2021 I received an uninvited and unauthorized call from XXXX XXXX of glass mountain capital LLC, who asked for me by name once I reapplied i was indeed XXXX XXXX, He stated that he was a debt collector and he was attempting to collect a debt for his client SECURITY XXXX XXXX XXXX, Mr.XXXX continued by stating that he was calling regarding a account that I'm unware of, I asked Mr.XXXX repeatedly how did he receive my name, address and personal information, Mr.XXXX started to became very frustrated and rude with me with the questions I was asking about MY personal information. Mr.XXXX  wasn't answering any of my questions and hanged up the phone on me.
Consumer complaint received 2021-05-04
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. (GA)

XX/XX/XXXX XXXX. 
XX/XX/XXXX XXXX XX/XX/XXXX {$450.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$13000.00} I have sent Experian 3 different letters asking them to verify these fraudulent accounts and to send me the original application with my signature. 
EXPERIAN was yet to do so. its been 105 days since I sent my first letter to them.
Consumer complaint received 2022-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently received a credit alert on my XXXX and XXXX credit accounts on XX/XX/2022. My credit report show shows inquiries by Capital One I do not recall authorizing Capital One to use my social security number for no business in reference to obtaining credit cards. I applied under my business

EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the Capital One we
bsite and if its not an option then Capital One is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising.

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MD)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal. They also promised that my money was going to be available in 180 days but my account is still limited. They send me an email after the 180 days hold they put in my account stating that my PayPal funds were eligible for withdrawal but that was not the case. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-06
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. (VA)

Equifax has blocked my online account and I can not dispute online anymore. I can not log in to my account and have no way of looking at my credit report I pay Equifax for credit monitoring please remove these negative items
Consumer complaint received 2021-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

On XX/XX/21 the XXXX  deposited a retroactive benefit payment for {$7800.00} via direct deposit into my Venmo account. I have received other XXXX payments previous to this with no issues. On XX/XX/21 Venmo froze my account without providing a reason, asked me to email a copy of my drivers license, which I did right away, and there is no way to talk to an account specialist over the phone.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2021, I received notice from Ally Bank stating that they are closing out my account due to a business decision under the terms of service on or about XX/XX/2021. As of this date, {$4500.00} was retained within the account. Ally Bank has already issued one check in the amount of {$590.00} on XX/XX/2021, but the remaining {$3900.00} is still being held within the account for no other reason.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello I have been contacting this company XXXX XXXX AND TransUnion for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-19
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)

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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SELF / LEAD XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX