davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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. (MA)

My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as XXXX, Equifax and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Consumer complaint received 2023-01-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 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 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX. I've been out of the country since last year because I flew out where I had XXXX on my left back left back. In XXXX I was struck by an automobile while walking across the street. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

Before I left I had issues with my BOA account due to fraudulent activity. The particular account was one of the funding sources of my automatic payments with - Capitol One. 

I forgot to get the account switched so I called and got that changed in XXXX. I told the Capitol One Agent to change the old account and gave a reason. I also started to use my other funding source ( XXXX ) as the new funding source going forward and go ahead and charge my minimum on the phone with us today and also set up automatic billing. 

All was agreed upon. 

So I traveled to XXXX for XXXX then to XXXX where I did my rehab, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Capital one has already charged of one of my accounts in : XX/XX/XXXX. 

I see whats going on and made a complaint to Capital One on ( XX/XX/XXXX ), in regards to the matter. I was advised that both accounts will be reviewed and not to make any payments to accounts are reviewed. 

Fast forward to today - XX/XX/XXXX - I called capital One in regards to an update from past convo on ( XX/XX/XXXX ) and instead was told not that my other account has been charged off. 

Are you serious? You said I shouldn't do anything and wait for a call ... .. 


I have never had an issue with Capital One until last year when I left all the way up to now. Prior I had no issues with them and my accounts were current and paid. 

Capital One made a mistake and has made me the consumer pay dearly. They have charged off both my accounts, falsely - when the fault was their agenda not mine. 

They have cost me almost XXXX points off my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Capital One and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments and charged off the account of my credit. 

Already beginning to consult lawyers about possible legal action against Capital One in regards to the issue.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX  lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXX  as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX  must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX  has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX  prior assets ; date and time of the Board meeting with share holders that provided XXXX XXXX  to lend from these assets, the beneficiary is also a shareholder of XXXX XXXX  and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( Transunion XXXX XXXX , shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX  is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''
Consumer complaint received 2020-01-17
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. (MA)

My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a XXXX  group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I manage a XXXX   in a XXXX XXXX  located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX XXXX XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the XXXX  status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX XXXX XXXX. I have attached a copy of the repayment agreement with XXXX XXXX XXXX XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX XXXX XXXX I respectfully request the associates credit bureaus such as XXXX, XXXX  and Trans Union to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 without my written instructions.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Problem on XX/XX/XXXX and XX/XX/XXXX, I requested multiple times for an extension on the deferral but all efforts by multiple people on different days were met with reluctance to dismissal. 

People I spoke to. XXXX, XXXX XXXX and others Ive received nothing in writing showing the request was being processed. 

Its almost like BofA representatives are trained not to process nor request extensions for deferrals to force homeowners into foreclosure. 

Horrible customer service. They just do whatever they want which is nothing.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TN)

my loan payemnts wrong still trying get this fix. 

I paid {$3800.00} in XX/XX/2022 which was told on recorded line that can be trace n replayed. 

XXXX, XXXX, XXXX paid and XX/XX/2022 will have a $ XXXX to be paid then back to regular payments in XX/XX/2022. 

somehow somebody put the money to everything but my upcoming due dates which we both agreed on. they lied and repo the car
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: DLC, LLC (NV)

They did not let me make a payment unless I had an ID I had lost my Id and it took 2 months to get it from the XXXX but since it was around XXXX the XXXX was delayed the company was dollar loan center And XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

After pulling a copy of my credit report i notice that there were a few late payments being recorded on my credit report that is being recorded under my social security number and this credit bureau removed the lates after i send them a certified letter in the mail with the return receipt they removed the lates and has placed them back on my credit report without notifying me in writing of any changes back to my credit report which is clearly a violation of the FCRA. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureau is required to notify me of the reinsertion in writing within 5 business days.
Consumer complaint received 2020-01-17
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)

My name is XXXX XXXX, and I became an XXXX citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as Experian, XXXX and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian refuses to remove fraudulent addresses from my credit file. I have submitted my drivers license to prove my address. There are 3 addresses on my credit file that do not belong to me!! I've been trying for over a year to get this fixed and Experian refuses. All my creditors have my correct address and Experian is steady saying otherwise. I reached out to all of my creditors and they have exactly what I've been telling Experian that they have.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

Hello, Upon reviewing my credit report I realized that THE CHILDREN 'S PLACE is being reported as a closed/charged off account. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from THE CHILDREN 'S PLACE. This is a violation of 15 USC 1681eb. I demand that this inaccurate information be removed from all 3 credit reports.
Consumer complaint received 2023-05-12
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. (GA)

THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER IN REGARDS TO XXXX, XXXX AND EQUIFAX REPORTING CONSUMER INFORMATION I DID NOT AUTHORIZE OR GIVE PERMISSION UNDER THE FOLLOWING LAWS : 15 USC 1681 ( a ) 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( b )
Consumer complaint received 2020-01-17
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 (CA)

I have two paid accounts through : WELLS FARGO DEALER SVCS XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX 1 ) Closed XX/XX/XXXX- Remarks Payment after charge off/collection Settled - less than full balance- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid. 

2 ) Closed XX/XX/XXXX- Remarks Payment after Repossession Paid repossession- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid.
Consumer complaint received 2020-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (MI)

Blue Trust loans is a complete scam. When I was approved, they quoted my interest rate at 15 % only to find out that it was 600 % after they sent me the loan documents a week later. I called today XX/XX/2020 to payoff the loan and it is more than the actual loan and they charge an early payoff fee.
Consumer complaint received 2023-01-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. Please update these immediately : 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