davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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. (CO)

I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX  is reporting a late in XXXX and XXXX. They also have my account coded as XXXX ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) Trans Union is reporting a 30 day late in XXXX and they are also coding this account as XXXX, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX   has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NY)

There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I sent a certified letter # XXXX on XX/XX/2023 requesting Validation of Debt Pursuant to 15 USC 1692G. See attached letter, US XXXX Receipt and proof of evidence. 
Debt collector was unable to respond or provide proper documentation in XXXX  days. Account is reported on my XXXX, XXXX and XXXX credit file. I am requesting a compensation of {$1000.00} per violation of USC 1692G.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2022-01-28
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: WELLS FARGO & COMPANY (FL)

Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, DA for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.
Consumer complaint received 2020-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2019-02-14
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. (MI)

REPORT # XXXX I've requested your help and removing some fraudulent accounts this is not the first time that I've asked you to help me Experian is the only credit reporting agency that lease account still show up on but instead of helping you send me a letter saying you want recent copies of official reports filed with appropriate agencies you understand there is no recent reports the identity theft happened 6 almost 7 years ago and I'll be honest Experian is well aware of the problem this is not the first time I've contacted you for your assistance but you continue to give me the runaround I have sent this information to you many many years ago there is nothing recent there shouldn't need to be anything recent I want a supervisor to take over I don't want the fraudulent accounts and all the other inaccuracies to be removed from my credit report I don't understand if all the rest of the credit reporting agencies did this years ago why Experian is having such a hard time with it I gave them all the exact same information and they were able to fix my credit report but Experian for some reason doesn't seem to be able to do the same thing that XXXX XXXX places like that I can do without any issues why is that? In addition to the police report you're asking for copies of my ID which I have already sent you in the past I have not moved I've lived at the same address for almost 10 years at this point do you already have all my information sending copies of everything in the mail is only putting me at risk for more problems that you clearly aren't going to fix
Consumer complaint received 2020-01-09
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. (NJ)

id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )
Consumer complaint received 2020-01-09
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. being that they have gone past 30 days Mark and can not verify these accounts under Section 611 ( 5 ) ( a ) of the FCRA they are request required to probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I present the following two ( 2 ) PayPal credit disputes : 1. XXXX : On XX/XX/XXXX I was required to place an order for custom shoes ; where as, the merchant instructed me to place then write us all changes, we will don it for you. Then on the XXXX, I requested instructions on size measurements, and informed the merchant of my desired changes and shipping terms on the requested model shoe # XXXX. On the XXXX, the merchant informed me that both the upper and lower parts are made of black leather not fabric. In response, I informed the merchant that I wanted to cancel the order - and in the merchant 's response was the " refund has been issued ''. To this point in time, there has not been no refund of {$230.00}. 

2. XXXX- XXXX : Prior to the above instance, on XX/XX/XXXX, I purchased an XXXX Training Tutorial based solely upon that merchant 's PayPal advertisement " Promise that for any reason you're not satisfied with the Tutorial and if you would like a full refund, please submit your request within 30 days of purchase. I purchase said tutorial based solely upon merchants ' advertisement assertion of their : " promise '' of their 100 % no questions asked money back guarantee '', if refund request is made in within 30 days " we will refund your original payment method with the full amount ''. On XX/XX/XXXX and XX/XX/XXXX respectively, I respectfully requested said refund of {$190.00}, to no response. 

Therefore, I hereby respectfully request ( CFPB ) to review and investigate this pattern of Merchants ' coercive purchase order behavior and Merchants ' false advertisement practices under PayPal 's herein alleged vague, ambiguous, and biased consumer review under the PayPal dispute resolution process.
Consumer complaint received 2020-01-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery Services XX/XX/XXXX, disputed with a 609 letter spring XXXX was never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
Consumer complaint received 2022-01-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and XXXX data breach and may have reached the hands of a fraudulent person
Consumer complaint received 2022-12-27
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. (MA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Hi, I was doing basement project at my home and opened Home Depot Consumer credit card through citibank in XX/XX/XXXX. I was offered 24 months XXXX % promotional price for any purchase made over {$5000.00}. Therefore, I bought almost $ XXXX worth of stuff from home depot on HD consumer card. However, I kept making my minimum payment plus additional amount to pay off my balance well within 24 months before the promotion expires. 
I started another project in XX/XX/XXXX and again purchased almost {$13000.00} worth of stuff on HD consumer card and was offered the same 24 months XXXX % financing. I paid off {$13000.00} + monthly payments by XX/XX/XXXX to avoid any interest charge on my outstanding promotional balance. 
Then I started another project again in XX/XX/XXXX and purchased {$7500.00} worth of stuff on HD consumer card and was again offered 24 months XXXX % financing. I again paid off that {$7500.00} + monthly payments by XX/XX/XXXX to avoid any interest change on my outstanding promotional balance. 
All this time, I also kept making smaller purchases for my smaller project. As of XX/XX/XXXX, my balance was {$5400.00} due to all smaller purchased. 
On XX/XX/XXXX I was charged {$1400.00} interest fee for some outstanding balance from XX/XX/XXXX. Now that I have been making payments to pay off my outstanding promotional balance, why have I been charged interest for {$1400.00}? When I was making payment they should be applied towards the previous outstanding promotional balance and not on the recent purchases? This seems be to fraud / cheat to intentionally defer your payments so there is always a balance from promotional outstanding balance so citibank can charge interest to the consumer. 
Logically the incoming payment must be applied towards your previous outstanding balance and not towards the recent purchases. What if there was no promotional balance? Citibank would have applied the payments towards that non promotional previous outstanding balance first? This is serious matter making consumer prey to these fraud practice by the bank. 

I would like the interest charged to be reversed. 

Store : Home Depot Card Type : Home Depot Consumer Card Acct # XXXX XXXX XXXX XXXX Processing Bank : Citibank Interest Charged : {$1400.00} on XX/XX/XXXX 2019
Consumer complaint received 2023-03-15
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. (TX)

In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX. XXXX XXXX, account # XXXX = {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXX XXXX XXXXXXXX - unknown account ( possibly fraud/violation of privacy/no consent given XXXXXXXX XXXX XXXX XXXXXXXX - violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX - inaccurate report, violation of privacy due to no consent given XXXX XXXX XXXX XXXXXXXX - unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-19
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX  Employer ( s ) : XXXX XXXX Phone number : ( XXXX  ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

I purchased a microwave from home depot using the home depot credit card from citibank. The microwave was too big and we returned it. Home Depot said you can only return appliances for two days, afterwards they don't have to accept returns. I was told by the salesperson we had two days for returns if it was damaged. They got approval for the return but said that I had to pay a restocking fee, if I didn't they wouldn't accept it. They processed the return and gave me a credit of {$240.00} and had me sign for the transaction. They ran a {$37.00} fee through but never asked me to sign for it. I called Citibank and filed a dispute. I received a letter from Citibank a few days later saying since I was credited {$200.00} the matter was resolved. I called again and explained I was disputing the {$37.00} and was transferred to disputes and XXXX told me that Home Depot has the right to charge the fee. I asked why and XXXX said it was store policy. I asked to see the policy and XXXX said I would have to talk to Home Depot. I asked if they didn't have the policy how could they accept it and end my dispute. XXXX asked me if I wanted to escalate the matter to corporate, I accepted and she transferred me to Home Depot 's XXXX number. The operator told me that XXXX always did this to disputes. I assume XXXX does it to get people to quit fighting.
Consumer complaint received 2022-12-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is not removing or blocking an account per FCRA regulations when I submitted an FTC claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to Equifax which are fraudulent & I'D like it removed from my report. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX  XXXX
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have attempted to reach out to Navient to gather how many payments were made under the graduate repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to my loan being transferred to XXXX XXXX XXXX as of XX/XX/XXXX I have been unsuccessful as I no longer have an active loan with Navient. I requesting an accounting of all payments received from XX/XX/XXXX to XX/XX/XXXX in order to determine if I may be eligible for the Temporary Expanded Public Service Loan Forgiveness.

Thank you in advance.