davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
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)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northtown Capital Services Group LLC (TX)

I was contacted by Northwest Capital Services at the beginning of XX/XX/2019. They called my mom and friend stating that I needed to call them back because of legal action that could be taken. They wouldnt disclose further information. They were attempting to get phone numbers and addresses from both mom and friend. I called the company directly and was told they were trying to collect a debt that had been given to them from XXXX for failure to pay. I was behind in my payments on this. I was told that if I didnt make some payment today or arrangement to pay that I would be served papers at home or work and would be taken to court for failure to pay and could have my wages garnished. They said making a payment would stop this from happening as long as I made an arrangement. I did NOT know I needed to receive something in writing ( I never did XXXX and did not know I could dispute. I told them I couldnt pay all of it and they were forceful about collecting. Im still in a payment agreement with them of {$230.00} twice a month ( which is financially draining ) because I never received information pertaining to the debt and was unaware that this was an unfair collection practice. Once I agreed they sent an email with a document for me to sign online. I signed this because, again, I was not aware I had any other option and didnt want to be sued. Im still in an agreement with this company and had no idea I could even dispute this.
Consumer complaint received 2022-12-31
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (GA)

I went to make a payment on my loan and saw a note on door that they are closing early. They had already closed when I got there. The next business day, I called to get my payoff bal. An employee of the company told me {$1200.00}. I was going to go pay but the rep told me they were about to close. The next day I went to pay, but when I handed them the payment, a different rep told me the payoff was {$1300.00}. I informed her that on the day before that they told me {$1200.00} and I was on the way to pay but they were closing. She told me that it was interest accruing.So {$120.00} was interest for 1 day?! She replied yes. I asked if it could be waived in light of the situation and because they had started limiting their hours they were open. Reply was no.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

The issue relates to XXXX improper and unjustified termination of my AAdvantage account. On XX/XX/XXXX, I received an email message from AAdvantage Corporate Security terminating my account. The message accuses me ( incorrectly ) of multiple violations of the General AAdvantage Program Terms and Conditions. On XX/XX/XXXX, I responded to corporate security to request further clarification of the specific violations XXXX XXXX alleges that I have violated. On XX/XX/XXXX, I replied again to this e-mail to request clarification. To date, these e-mails have gone unanswered. 

On XX/XX/XXXX, I also e-mailed XXXX XXXX to request additional information and clarification of the alleged violations. This e-mail has also gone unanswered as of today. 

An official complaint with the Department of Transportation was also filed on XX/XX/XXXX. Receipt of this complaint was confirmed by XXXX XXXX on XX/XX/XXXX and a response from XXXX XXXX was received from XXXX XXXX, Customer Relations, on XX/XX/XXXX. 

XXXX XXXX response to my complaint states the following as justification for termination of my account : A recent investigation has determined your involvement in multiple violations of the General AAdvantage Program Terms and Conditions, related to the accrual of ineligible AAdvantage miles and benefits. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage   card promotion bonus terms and conditions, as well as at the top of each application page. 

The allegations against me and used as the basis for terminating my AAdvantage account are not correct. The 48-month language cited as justification for termination of my account was not added to the some of the terms of conditions until on or around XX/XX/XXXX. There were still various credit card offers that did not contain that 48-month language. At no time did I respond to, or utilize, any offers which contained this newly added provision. 

Further, the Citi eligibility restrictions referenced in the justification were not located on the credit card offer bonus terms and conditions or application page as claimed in Ms. XXXX e-mail. 

XXXX XXXX claim is undeniably false, and XXXX XXXX has now intentionally lied to both myself and the Department of Transportation in an attempt to justify closure of an account that has not violated any terms and conditions.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I tried to verify the debt with this company all letters were returned unopened and they only verified with credit agency with false information. I took the landlord to court received a judgement and won my security deposit back. I notified the collection agency and faxed court documents they refused to remove the item. It has cost me not to get credit or places to live. The old landlord said they have no control over the collection agency. The information is incorrect and they are reporting me over 30days behind.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Deposited a check XXXX before XXXX. as of today XX/XX/11 funds are still not available. I called and they said check us on a authorization hold ... because of the other bank. this is XXXX because there were 3 other checks written to other family and the other 2 cleared, so it's not the issues bank, its 53. It has never taken this long for check to clear. Max is 3 days. I have to wait till next Friday, 11 days. I have Bill 's that I will now be late on because 53 is holding my money captive. NO where in there terms does it says it takes this long. Please look into this for me. its illegal
Consumer complaint received 2020-03-28
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. (PA)

Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, EXPERIAN or XXXX.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX  immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with Experian, XXXX  and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Consumer complaint received 2020-03-16
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. (NC)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

COLLECTIONS US DEPT VETS XXXX {$0.00} not mine XXXX XXXX XXXX {$130.00} not mine XXXX XXXX XXXX XXXX {$3900.00} not mine XXXX XXXX XXXX XXXX XXXX  XXXX {$460.00} not mine XXXX XXXX {$2300.00} not mine XXXX XXXX  XXXX {$12000.00} not mine XXXX XXXX  XXXX {$0.00} not mine
Consumer complaint received 2022-12-31
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. (CA)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2020-03-28
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: CITIBANK, N.A. (PA)

Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX card, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

Barclay XXXX sent a letter dated XX/XX/XXXX to restore credit card use for XX/XX/XXXX, that they erroneously CLOSED in XX/XX/XXXX. Instead, the account remains closed. Todays date is XX/XX/XXXX ; more then enough time for a resolve a simple mistake. At this time, I would like the company to stop harassing me and either restore the credit status or delete my name from their company 's record. I despise doing business with incompetent individuals who poorly represent an institution. Save your energy and time for more challenging jobs. Thank you
Consumer complaint received 2020-03-28
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: Experian Information Solutions Inc. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-03-25
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have repeatedly tried to provide Experian with documents related to a trade line on my credit report. The trade line is an account with XXXX and contains inaccurate derogatory information. 

Experian has not provided me with a method to upload my supporting documentation and has repeatedly denied my dispute with verifying the account with XXXX. 

I request that Experien use my supporting documentation and also verify the trade with XXXX. Other CRA are doing this and have removed the inaccurate information. 

Lastly I spoke with an Experian representative who gave the name XXXX only on XX/XX/2020 at XXXX XXXX. XXXX was not professional and was aggressive in his manner dealing with me. He refused to provide a reasonable method for me to upload documentation.
Consumer complaint received 2020-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MI)

TCF bank authorized my account to withdraw {$3000.00} to XXXX XXXX in 4 different transactions even though doing the first {$500.00} caused my account to be overdrawn and then proceeded another {$1000.00} withdrawal, another {$500.00} withdrawal and then another {$1000.00} withdrawal all within minutes of each other. I reported it within 48 hours and was told to file a police report. The police detective working my case deemed this identity theft and I proved this to TCF. They still refuse to refund my money saying XXXX XXXX says I approved these amounts and benefited from this! My daughter, who is the primary person on this account, is handicapped and deaf. Her phone was hacked and all her information had been stolen. She in no way approved this nor had she ever used XXXX XXXX prior to this and our history proved this! TCF has been horrible to work with and refuse to help or let you speak to their dispute dept. They closed the account out and sent us to a collection agency for their fees. They took back the {$3000.00} from my daughters direct deposit from her XXXX XXXX check and the rest from her sisters account because I, the mother to both girls, am the secondary person on both accounts and shorted her for her monthly bills. When she called to question it she was told to get the money back from her mother!!! TCF have been nothing but rude to deal with. I am going to need an attorney to get this {$3000.00} back because they are ignoring a police report saying this is identity theft. Please help us!!!
Consumer complaint received 2020-04-11
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I was alerted by my XXXX XXXX app that there had been a hard inquiry reported to Equifax, which I hadnt requested nor authorized. I immediately contacted the company that performed the inquiry, XXXX XXXX, and they opened an investigation. I also went online and disputed the transaction through Equifaxs online process. I then received a letter from Equifax, dated XX/XX/XXXX ( just one day after the dispute was filed ), stating that the inquiry was a factual record of file access. On XX/XX/XXXX, I received a letter from XXXX XXXX  saying that their investigation had been completed and confirmed that it was fraudulent. The letter further stated that the bank would inform all three credit bureaus to have it removed. So, on XX/XX/XXXX, I checked my credit report and found that the inquiry is still on their and still impacting my credit score. I again filed a dispute with Equifax who again stated that inquiries are factual records of file access. I understand that it is factual that someone accessed my credit file, but they did son fraudulently so this should not appear on my credit file, especially when it impacts my credit score. Also, I wanted to attach the letter from XXXX  to my dispute, but Equifaxs website does not offer that option.