davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (CA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

ERC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
ERC failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper VALIDATION of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XX/XX/XXXX ( 1 yr, 6 mos ) Account status My identity was stolen I want to resolve this issue by not paying anything and having this remove from my credit report thank you. 
-- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have a dispute in progress XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (OH)

I have submitted an account investgation with all 3 credit reporting agencies about 3 delinquent payments on for my mortgage that are incorrect. 3 time my mortgage company came back and stated that the information was correct, even though I have evidence to the contrary.
Consumer complaint received 2023-02-03
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. (OH)

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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WI)

This company named bsi financial that we have that bought our mortgage we have had problems with. They dont except debit cards only ach payment and money orders ach they process whenever they want. With this being said last month on the XXXX of XX/XX/2023 we tried to do a ach payment it got kicked back had no idea it got kicked back I had to make a phone call to XXXXXXXX XXXX XXXX XXXX to find out it never went through. Then on XX/XX/XXXX 2023we sent a money order that we got from a store that does them. We sent it on the XXXX of XX/XX/2023 over nighted it through XXXX had it tracked and certified I got the update that on the XXXX of XX/XX/2023 at XXXX XXXX a lady in there financial department received it and signed for it. I checked a few days later cause there online thing takes awhile to update information on XX/XX/2023 I gave them a call and they couldnt find out what happened said they would call me back then on the XXXX of XX/XX/2023 I called again and the lady I spoke to couldnt do nothing about and said I needed to give the tracking number for the money order which is for me to use they wont fix this problem I have a screen shot of when they received it in there hand and where it came out our account. So because of this shows we are a month behind if I sent the money order this month they will put it towards last month thats if they get it and we will still be behind on a month. If you guys could please help out that would be greatly appreciated.
Consumer complaint received 2020-01-16
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. (NY)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.
Consumer complaint received 2020-01-16
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. (NY)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I signed up for a Citibank AAadvantage executive credit card more than a year ago. The representation was made that the cardholder would have access to XXXX XXXX XXXX XXXX. Recently the credit card issuer citibank changed the terms of the user benefits to limit access to XXXX XXXX to cardmembers who were booked on an existing XXXX XXXX ( or affiliated airline ) the same day that the cardholder sought access to the XXXX XXXX. Previously the card could be used at any XXXX XXXX XXXX   without regard to which airline the cardholder was booked on. This unilateral major change in benefits should allow the cardholder to withdraw from the program. I requeted a refund of the {$450.00} annual fee which was charged to my card in XX/XX/2019. I was told by the Citibank telephone representative that I was too late and could not cancel the card and obtain a refund. I believe that Citibank acted in a fraudulent manner in changing the benefit without allowing customers to cancel and obtain a refund.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

I used a XXXX interest balance transfer on my Chase card. They applied my entire payment to the 0 % balance and as a result I incurred interest fees. I have done balance transfers on other cards and they apply payments to the highest interest rate balances first.
Consumer complaint received 2020-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (TX)

Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same information.
Consumer complaint received 2017-08-02
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. (IL)

I disputed through  XXXX  and now there are an additional  XXXX  inquiry on my report. They should have been removed because I have n't applied for credit in over a year.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had a Capital One 360 checking account. My son was XXXX XXXXy and was in the XXXX resulting in me missing work. My wife asked her mom for money from from and inheritance from her grandma to help with our mortgage, whenever her mom pays her this money she puts it in an account that is just her name to keep track of how much she gets and then my wife writes a check. my mother in law didnt know that they closed out those accounts after the grandpa died the trust changed. So the check that was wrote came back bad and that it was a closed account. Because of this capital one closed my account. The first time I was notified of this was XX/XX/XXXX. That same day a direct deposit from my employer came in. I was told it would be mailed in 7 to 10 business days. I called on the XX/XX/XXXX and was told it was scheduled to be mailed out on XX/XX/XXXX. I never came so I called on XX/XX/XXXX I was told it was going to be mailed on the XX/XX/XXXX. I called again yesterday to make sure and found out it still hasnt been mailed, I was told an email would be sent. This money is needed, it is my money. I am behind on my bills have ended up with late fees. I need this check ASAP I have a brand new baby that has to be seen at the doctors an hour away two times a week. I need all my money right now. Capital One had made this a nightmare from the start, they wouldnt even give me a chance to prove what happend with the check from my wives inharitance, just treat me like a thief or something. I do not want an account or to do business with them again, I just want my money
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not provide me with the original application, I also asked for a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.

They're reporting inaccurate information without my consent.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (WA)

IN XXXX XXXX i recieved notification that i was to recieve a refund check due tocharges associated with the may have contributed to the repossesion of my car on XX/XX/XXXX besides now having a bad credit report from then they finially reached out to me i recieved three letters pertaining to the refund and on one letter it stated tht XXXX XXXX a cosigner of the went into bankruptcy and the the case was closed two mmonthe prior to recieving notification about this refund well weeks went by and i one day called to ask about my check and when i was going to recieve it they gave me the run around at first and then they stated that in there system it shows that i already recieved payment and cashed it i told them it was true and i wanted to file fraud on whoever did it Wells fargo stated that it was out of therr hands that i would have to take it up with the trustee XXXX XXXX out of spokane i stated ive been trying to contact him ever since i found out about refund but any and every secretary of his would tell me the same thing they stated i dont have a case with him i told them i know that but my check went to him and he cashed it and they stated they would take the message and to call back well now being XX/XX/XXXX im still with bad credit nothing got fixed or repaired and im not satisfied with the outcome to my understanding this is a colateral protection insurence not a auto loan and so i requested a copy of my policy several time and i have yet to recieve one one employee even told me he couldnt even check it to c if i was the only one on the policy well as of yesterday XX/XX/XXXX i found out by phone that i was the only one on the policy so regardless of anything else the refund should have never went to the trustee please help
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC. (OH)

I received a letter XXXX dated XX/XX/20 ) from XXXX XXXX Card Services on XX/XX/20 advising they closed my Kay Jewelers credit card account due to inactivity. I received no prior notification of this closure. I called customer service and was told that is just what they do, I escalated to XXXX she kindly told me I can re apply but reopening my account is not an option. I requested her manager as 2 issues : You have damaged ( lowered ) my credit score by closing the account. This lowers my percent of usage and shows an account recently closed. 2 if I reapply that is a hard inquiry on my credit which also lowers my credit score. I request that this account ( that was in good standing ) be reopened immediately.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

Dear Consumer Financial Protection Bureau : I am again appealing to your organization for the umpteenth time. I am being treated unfairly by TD Bank, N.A., TD Bank has illegally confused my account and now it shows me as being delinquent again. This is not true, it is a bank error as admitted by TD Bank themselves, they lie about providing proof of the error and they also claim that they have fixed the error and now they will not provide a letter stating that the problem has been fixed. When I inquire of the letter they simply reply that they need several signatures to approve my getting a letter showing proof that the problem has been corrected. 

This is a second complaint ( a new one ) against the same bank ( TD Bank ). I am being singled out as retaliation for filing a complaint against TD Bank in XX/XX/2018. And now they want to attack by confusing my account to make it appear that I am in default so that they can illegally take my home. 

Very truly your, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank stated in their agreement that federal laws applied to the agreement. Under federal law 18 USC 894, it is illegal to collect on an extension of credit by extortionate means. They continue to extort money from me. Under 15 USC 1666D anytime a credit balance is of excess of {$1.00}, the creditor should credit the consumer account. These are federal laws that they should honor. They continue to use the United States Postal Service to run a scheme to obtain money thru false pretenses illegally, which is fraud and swindles under 18 USC 1341 and comes with imprisonment, a fine or both. They need to open me a new account and apply a {$15000.00} credit limit and credit the balance every month. These are federal laws that this agreements govern by, stated in the agreement itself. If Synchrony Bank chooses not to honor their agreement, I elect arbitration under good faith and they pay the fees. I demand that all payments are returned due to the factual concealment of this agreement and under federal law, I wasn't supposed to make payments. Federal laws supersede the contexts of this agreement and the State Laws of Utah. A copy of this complaint will be sent to Alabama AG and Utah AG.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

This will be my third time which the first time was in XXXX and the second time was in. XXXX. The third time is in XXXX  and I am requesting to take an account off my report for incorrect information. The first two times they said they verified with the creditor that the account is verified and accurate. The third dispute is this month in XXXX of XXXX. I took matters into my own hands and requested factual information from the creditor about the account and sure enough that there was proof inaccurate stuff being reported to my account. I even sent the credit bureau proof from the creditor. 

Balance on my credit report was showing as {$17000.00} dollars which is incorrect as I have proof from the creditor of the pay off balance on the account. Date of last payment made was ruled as XX/XX/XXXX which is also incorrrect per the creditor. FCRA states that if any information is reported inaccurate they have to take it off. ' account # XXXX****
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.