davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (MD)

I the original creditor ( XXXX ), am in battle with the stated third party debt collectors, stating I owe an alleged debts with them, and that they have validated and verified the debts. This is a a false and misleading statement as third party debt collectors can not furnish my information, and no right to state I owe a debt. I with proof and factual evidence can show that these entities did indeed violate federally mandated laws. XXXX I am seeking monetary relief for these violations as stated by 15 USC 1692k ( a ) ***** in the amount of {$1000.00} per violation. **15 USC 1692 ( B ) **, **15 USC 1692A** , **15 USC 1692B, B ( 2 ) **, **15 USC 1692C ( A ) **, **15 USC 1692D ( 1 ) ** , **15 USC 1692E**, **15 USC 1692E ( 2 ) ( 6 ) ( 14 ) **, **15 USC 1692F ( 1 ) **, **15 USC 1692G** , **15 USC 1692J ( A ) ( B ) *** to name the most obvious. ****15 USC 1692L ( a ) the FTC has full and legal capabilities of enforcing, and ensuring compliance of debt collectors*****. Hold these entities accountable by protecting my rights to collect for these violations {$14000.00} payable to me from each person ( s ) by check within 7 business days of receiving this complaint or face further violations and civil actions.

Third-party debt collector ( s ) are as followed : *XXXX XXXX is truthfully a third-party debt collector with no rights. 

*American Collections is truthfully a third-party debt collector with no rights. 

XXXXl is truthfully a third-party debt collector with no rights. 

*XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights. 

XXXX XXXX XXXX  is truthfully a third-party debt collector with no rights.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

After being a ten plus year customer with Citibank I had discovered that XXXX was owed to me for Fraudulent charges that someone hacked my account with Citibank and over s year was paying a XXXX XXXX credit card and doing other debits under my checking and routing number with my name and information. I filed proof and a police report to show I had no affiliation with these charges. I appealed twice with my proof and Citibank caused me to have financial hardship during the covid 19 pandemic and I feel that I have been discriminated against and have no power to have a honest chance to refute this matter.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. There was another collection agency before this one to which I disputed and was deleted ... .This collection agency has not proved this account is mine. 

They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-03-13
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. (GA)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 69 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 69 days so they should be deleted promptly.
Consumer complaint received 2020-03-26
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.
Consumer complaint received 2022-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a ten year patron of Capital One..in the past they have let me lower my interest rates.

I called today and was meant with a from no. They representative told me that the company no longer lowers credit interest rates. I was informed I would need to cancel my card ( which would negatively impact my credit score ) and apply again.

This is such a scam. Purposefully making people close an account to lower their score in order to receive a slightly better interest rate?? This seem like they are purposely trying to worsen your score so they can profit.

Many other companies allow you to lower so long as you're a good customer and have a good credit score.

This is so upsetting as I will have to look for another card if this company forces me to cancel due to astronomical interest rate. I was never formally informed of this change in policy either.
Consumer complaint received 2021-03-13
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: Resurgent Capital Services L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  steel reporting information about this Account.
Consumer complaint received 2021-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

After months of being transferred to multiple agents ( 9 to date ) I still can get no one to follow up on my HEL. More concerning, when I shared that the increase from 2 to 3 % was no possible given I had lost my job in Q4 2019 and was just starting a new job and lost it to Covid -- the mortgage company made the modification process very difficult. each time I would supply what they asked, a new set of requirements would come into play. this went on for 9 months. Further, My first loan was modified and months went by with little to no follow up. Most concerning is that I had asked for a year extension to keep my rate at the {$410.00} interest only payment. I was told that this could not be done unless I paid the back balance of {$1800.00}. I made that payment for a future date and borrowed the money. Then one it was paid I was told the application was denied because there was no longer a back balance. Kindly see the supporting documents and multiple letter sent to Wells Fargo. this company should be investigated for it unethical behaviors -- including not being transparent with their customer, I am in a situation where I have been paying my mortgage for 23 years, and WF has earned enormous interest equity. Somehow the company fails to see that although I agreed to a step mortgage payment, circumstance beyond my ability occured and I lost my job during Covid. It is unrealistic to expect someone to pay nearly half of their earnings to housing after taxes -- and still be able to pay other shelter expenses, education, medical and child costs. I submitted a expense budget listing same, but these figures do not appear to be considered. 
While the company is quick to respond to CFPB, they lack follow up or any meaningful conversation to resolve their customers problems and ensure that all options including modification are offered. Documentation is provided to support my claim.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-13
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. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still have yet to receive any response. 

Initial dispute XX/XX/2021
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-03-13
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)

I have contacted both the credit reporting company and Transunion to investigate verify and remove inaccuracies on my credit profile they are still invalidly reporting the following unauthorized inquiries on my report.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with Kia Finance America ( KFA ), but he has never had and account with KFA. XXXX XXXX requests the account be removed from his credit report. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFA reporting an account to the credit bureaus under XXXX XXXX name. KFA has no record of XXXX XXXX having an account with KFA nor was KFA able to verify with XXXX, XXXX or XXXX that they are reporting a KFA account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the KFA account, he may provide it to KFA who will reopen the investigation. XXXX XXXX XXXX submit a copy of the credit report through the CFPB XXXX or he can mail a copy to KFA at : KFA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint against Experian for their persistent refusal to update my credit report to reflect a debt that has been legally settled. Despite a court ruling and multiple attempts to submit the necessary documentation, Experian has failed to update my account information or remove the incorrect tradeline, resulting in ongoing damage to my credit score. 

A court of law has conclusively ruled that the debt in question has been settled. I have repeatedly uploaded and submitted signed court documents verifying this settlement, yet Experian continues to report the debt inaccurately on my credit report. This failure to update my information is causing significant harm to my credit score and my financial standing. 

XXXX refusal to accurately update my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to correct this information despite clear evidence of the debt settlement is unacceptable and warrants immediate investigation and action. 

I urge the Consumer Financial Protection Bureau to take prompt and decisive action to address this issue. Experian must be held accountable for their failure to comply with legal standards and their obligation to provide accurate information on consumer credit reports. I request the CFPB to enforce Experians compliance with the FCRA, mandate the correction of my credit report, and ensure that similar issues do not occur in the future.
Consumer complaint received 2022-12-28
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. (TX)

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 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 Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


In regards to the following accounts on credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-13
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. (OH)

On XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have XXXX or {$670.00} ( current USD conversion rate ) sitting on my Paypal account and can't be withdrawn. I traded bitcoin online and have chosen Paypal as form of Payment. I had traded my bitcoin with XXXX and sold it through XXXX ( XXXX XXXX XXXX ) back on XX/XX/2021 and had received my payment in Paypal the next 24 hours in gradual payment. Along with Paypal payment confirmation is a message that says my account is on hold. They asked me for documents and receipt and I have provided those documents transparently and had even provided a detailed information on how I was paid and what product I had sold and where, of course. Now, on XX/XX/2021 Paypal emailed me saying that I can no longer do business with them and after logging in to my account, they said they will hold it within 180 days. The email address linked to my Paypal account is XXXX. I really believed and have trust with the US government and as a XXXX, I enjoy working with clients from the US. I hope that this will be sorted out because that was a hard-earned money and it is needed most as a citizen of a third world country. I would thank you in advance for any help you can offer to me. Thank you!
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My issue is with Experian. In early XX/XX/2021 I switched credit cards with XXXX XXXX from one card to another, and paid off and closed a visa card with a balance of {$470.00}, with a credit line of {$500.00}. And I opened a card with a {$1500.00} limit ( give or take ) with cash back rewards. In late XXXX or early XXXX both accounts were appearing as open with amounts due on Experian and so I disputed the one with the {$470.00} balance as paid and closed, believing they would just check with XXXX XXXX and report the update. 

Experian reported back that XXXX  XXXX CONFIRMED the balance and open account, which should not be the case although I am having difficulties getting XXXX XXXX to " accept '' that I REALLY DO MEAN IT THAT I DO NOT WANT THAT CARD ANYMORE because they charge an annual fee. It does still appear as an " account '' next to the card that is open, and they remind me that I can " reactivate '' it. 
But in any event I responded today to EXPERIAN, XX/XX/2021 by uploading my closing statement from XXXX  XXXX for the account, showing both the {$500.00} line of credit, the {$0.00} balance due, and the {$0.00} AVAILABLE CREDIT because the account is closed. I uploaded the statement and disputed the account again as paid and closed. 

Experian responded by reinstating the ongoing open account with {$470.00} balance due on my credit report, and updating the current status to XX/XX/2021. Clearly they have not updated it to today based on discussing it with XXXX XXXX, but only based on receiving my credit card statement and new dispute. Has Experian turned a simple misstated account status that was in no way Experian 's fault, into an intentionally false account report, intentionally misreported BY EXPERIAN, based only on my current XXXX  XXXX account statement, which I uploaded to them, and NO COUNTERVAILING EVIDENCE TO THE CONTRARY, as the basis for their CURRENT credit reporting? That's fraudulent reporting and violations the Fair Credit Reporting Act. Experian has taken what was a simple slightly out of date account notation that I was looking to update because I was credit card shopping and turned into an intentional act of XXXX FRAUD by EXPERIAN, just to XXXX with me, by making it appear that as of XX/XX/XXXX, today, XXXX XXXX states I owe them {$470.00} on this account that I paid and closed in early XXXX. So I am angry about it! 

I am trying to buy a car, and now I will have to pay a higher interest rate for FIVE YEARS, because Experian is XXXX with me, apparently out of vindictiveness for disputing this account twice. These couple of credit points of increase will push me into the next highest rating tier.