davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (GA)

Affidavit of Truth STATE OF GEORGIA XXXX OF XXXX XXXX XXXX XXXX, being duly sworn deposes and states as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX, I am presently XXXX XXXX XXXX, and my current address of residence is XXXX XXXX XXXX XXXX, XXXX, GEORGIA XXXX. 

XXXX. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the agent XXXX attorney, in fact, so be it ; and ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, I am the original creditor and I extended your organization credit in the consumer credit transaction, so be it, and ; 4. Fact, I was required to provide a Social Security Card number on your credit card application in this consumer credit transaction, so be it, and ; 5. Fact, I never knowingly authorized nor knowingly gave any person/organization permission actual, implied, or apparent authority to use my consumer credit card for this consumer credit transaction, so be it, and ; 6. Fact, I never received documentary proof of no such evidence of indebtedness in this consumer credit transaction, so be it, and ; 7. Fact, I have not benefited from this consumer credit transaction but only been harmed mentally and financially by your unfair credit card practices, so be it, and ; 8. Fact, I was never aware of the transaction, which left me in the dark about the cost of the transaction. This caused me to make an uninformed decision which resulted in numerous billing errors, and unfair credit card practices, so be it, and ; 9. Fact, I was never provided adequate notice that clearly and conspicuously mentioned the pertinent facts of this consumer credit transaction therefore I couldnt reasonably understand its meaning. This lack of understanding placed me at a disadvantage from the beginning of this consumer credit transaction, so be it, and ; 10. Fact, I believe that a deceptive form was designed, prepared, and provided to me in order to collect an alleged debt that I, the consumer, allegedly owed to the alleged creditor, so be it, and ; 11. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A that COSTCO ANYWHERE is in violation of 1006.30 ( e )
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

I am writing to request your intervention regarding a credit report entry by National Credit Systems that is unjustly affecting my financial well-being. 

Account Details : Original Creditor : XXXX XXXX Current Creditor : National Credit Systems Balance : {$6400.00} Account Number : XXXX XXXX XXXX wrote off the debt and sold it to National Credit Systems. Despite this, the entry on my credit report is preventing me from securing employment, loans, and even housing, as it severely impacts my creditworthiness.

This situation is not a mere error but a consequence of unfair financial reporting practices. The persistence of this negative entry, despite my attempts to address it, is causing significant distress and hindering my ability to move forward in life. I urge the CFPB to examine the reporting practices
of National Credit Systems and to facilitate the removal of this entry from my credit report to preserve my livelihood.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MA)

In accordance with the fair credit reporting act This creditor has violated my rights. Under 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not tear a payment.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I launched a complaint with chase on XX/XX/2021 after receiving 31 individual retractions issued by XXXX XXXX. I contacted XXXX and they admitted to the mistake, stating they would launch a claim as well and forward this to their legal team. On XX/XX/XXXX Chase contacted me stating that they were deciding to close my account due to this issue. I was never asked for information supporting the claim and offered numerous times to show Chase the emails from XXXX XXXX and was never given that opportunity, despite advanced providing emails that they were willing to fix this. This closure has left my kids without food for nearly a week, as well as a rejection of the stimulus payment and personal employer pay as well causing irreversible damage.
Consumer complaint received 2020-03-14
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. (NY)

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 2021-03-12
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. (LA)

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX and XXXX XXXX, as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-14
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)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One and XXXX  are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to Capital One twice and XXXX and XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be resolved and quickly as Ive done my part and need the credit bureaus and Capital One to do theirs!
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I checked my credit report as I usually do and noticed a Home Depot credit card opened in my name, with a {$500.00} limit, and someone spent {$450.00} dollars on it in XXXX of 2022. They made a payment of {$31.00}. I came here to report it as fraudulent.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2020-03-14
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. (OR)

Called previous and was told it would be fine to change my debt management pay date. All other credits did not report late. Changed due date on a Debt Management for two cards. 13 day difference XXXX XXXX at XXXX XXXX submitted for lates to be removed but during that time XXXX XXXX reported more lates and has not corrected. The two cards were finally reagged in late 2019. All thats needs to be done is correct the lates on both cards. 

XXXX XXXX left and no one else I have email including the CEO will do the right thing and finish correcting my credit bureaus with lates. 

Its really simple do the right thing. I have never missed a debt management payment and my score is way lower due to XXXX XXXX. This is a 5 year plan and I have 4 years to go and have never missed a payment.
Consumer complaint received 2023-12-30
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. (FL)

In accordance with XXXX XXXX XXXX  at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

This is my second complaint being filed for XXXX XXXX for the two accounts listed on my credit report.

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

XXXX  XXXX sent a second letter stating no statements or current balance could be provided. The account is closed/charged off.

Attached is the original letter for validation. XXXX XXXX 1st/2nd response for the two accounts in question.

This 2 account are to be deleted immediately!!!
Consumer complaint received 2021-03-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANDY SPRING BANCORP, INC. (VA)

I recently acquired a construction loan from Sandy Spring Bank. I have had two issues with them. 

1. My closing date was XX/XX/XXXX and they didn't provide my closing disclosure until XX/XX/XXXX. The CFPB requires lenders to give borrowers three business days to thoroughly review the Closing Disclosure. I was given less than one business day.

2. For my payment due XX/XX/XXXX, Sandy Spring Bank has inexplicably raised my monthly payment. My closing disclosure clearly states my monthly payment for the first year of my loan ; they are reporting that I owe {$700.00} more than what's stated on my closing disclosure. When I reached out to Sandy Spring, I was told that it was due to funding draw on the construction loan, but they offered no further explanation or calculation. 

I am uploading an email fromXX/XX/XXXX when they sent my CD, a copy of my signed CD dated XX/XX/XXXX, and a PDF from the Sandy Spring website showing my XX/XX/XXXX payment.
Consumer complaint received 2022-12-31
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. (PA)

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. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-20
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 (FL)

On XX/XX/2021, Paypal decided to " permanently limit your account as we found potential risk associated with it '' after I received funds from my husband 's account. The fund was for a business loan payment that we both owe. Not only did Paypal charged us fees for " goods and services '', but it is tieing up the fund for 180 days as an interest-free loan to Paypal. This is completely unacceptable to steal our money, charge us fees, and immediately prevent us from doing anything with the funds. I can't refund, withdraw, or send it out. This is stealing.
Consumer complaint received 2021-04-20
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)

Experian is reporting debt from XXXX XXXX without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report
Consumer complaint received 2020-03-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

Issue 1 : I tried submitting both a credit report request and submit a dispute with equifax. Both were impossible due to a mismatch in address information and or a system error.

Issue 2 : Equifax website itself is non-functional/inaccessible most of the time. It may load a single webpage in about 25 to 45 minutes. It would appear that it is receiving a denial-of-service attack.

Issue 3 : Upon discovering that i can not sign up for an account on equifax website, and being refered to a 1800 number to call them, I decided to give Equifax a call to dispute an item on my credit record. However, they were not able to identify me over the phone. I faxed Equifax identity documents, which was reportedly lost, so i re-faxed them again, and then re-re-faxed them.

Issue 4 : I keep receiving USMail from Equifax indicating that they have made a decision and that i must send them identifying documents. I have already done so 3 times.

Issue 5 : Nobody is reading my complaints properly. If you reviewed my complaints, you'd realize that ive uploaded my identity documents directly to this form. They are available to anyone reviewing my complaint.

Issue 6 : To this date, there has been no solution offered. My information has not been updated and i have not been contacted for a resolution. My credit report has not been provided. My credit score went to zero. I have no access to dispute anything.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank denied me access to my checking and savings 360 accounts yesterday without reason or explanation. An ATM transaction attempted last night at their branch drive-up was also rejected. The only contact I received was an email yesterday saying that they decided to close all my accounts on XX/XX/2021, and that I should " restrict account activity. '' The following was flagged to both accounts on the app : " Funds are currently not available for withdrawal. '' I contacted the XXXX number listed and advised the management team of the illegality of denying account holders access to their own money.
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: Experian Information Solutions Inc. (IL)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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