davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at Comenity Bank/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX ).
Consumer complaint received 2023-05-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (IL)

I am being evicted from my property my late mother inherited a quitclaim deed before she passed in XXXX. I filed an notice of appeal XXXX XXXX and received an appellate number. I also filed in federal court. I filed adversary proceeding with to quiet title. The debt is time barged and its passed its statue of limitations. It is not under my name and did it sign anything with the creditors. Only under my late mother estate. Which it should of went to probate?
Consumer complaint received 2021-01-08
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 applied to rent an apartment today XX/XX/21 and sadly I was not approved because my credit report came back with several accounts in bad standing. I looked through my report and many of those accounts are not mine. Theres accounts from many different companies that I am not associated with in any way ; I never allowed anyone to open any of those accounts on my behalf nor did I benefit anything ( money, goods, services ) as a result of those accounts being opened in my name. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved and clearing my name.
Consumer complaint received 2023-03-03
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. (NY)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX V XXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$8400.00} ; XXXX XXXX  XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

Started loan little over5 years ago. Was supposed to drop baloon payment and adjustable rate XXXX had on mortgage. Turns out Specialized Loan Servicing new bank did not comply 3 months ago raised mortg. XXXX dollars double what bank needed to pay tax increase. They also were going up aproximately XXXX more in XXXX 2021. This would make payment to bank XXXX a month almost double in 3 month period. I heard adjustable rate mortgages were unlawful for loan modifications. we are looking at loosing property we have been paying on for 18 years now. We also have XXXX XXXX people living in home with a few pets. Not good thing be XXXX in VT due to crooked bank.
Consumer complaint received 2023-02-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

I called this collection agency wanting to negotiate terms of my total amount. The amount I have owed ( according to the paper statements they sent me ) did not match what XXXX was telling me on the phone. I tried to get some information on where he was getting his amounts, dates of service, etc. XXXX insulted, said I didn't know how to read an account number. I emailed the office the statement I was clearly looking at and how it wasn't matching XXXX XXXX statements. He said that the email would have to go through another department, he couldn't explain a THIRD bill and date of service, nor could he explain the change of amounts, nor could he explain the {$400.00} difference in amounts. If a company can not be respectful to their customers, explain ACUTAL NUMBERS, and exchange information with their customers, but yet expect them to pay their bills, how is this legal? This company does not have to explain itself or what it is charging? Where does that power come from? What business owner is letting their male customer service reps, like XXXX talk to down to their female customers.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Thunderbird Collection Specialists, Inc. (CA)

Debt collectors is TCS, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 
keep call and bother me all the time while i submitted the paperwork 's to show them that this issue wasn't my problem. They messed up billing paperwork 's. Please find an attached for proof that my insurance cover all of fee services.
Consumer complaint received 2023-03-06
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX received an email from Sear Citi-Bank stating my account was now open. 
Multiple calls were made to Sears and Citi-bank to explain that no account had been requested and I did not want a new account. But I was unable to get through automated phone tree to talk to a human. They request account or SS # to talk and I have no account and SS # would not register. 

I set up fraud alerts on all my accounts through XX/XX/XXXX. And I froze my credit on all 3 credit bureaus on XX/XX/XXXX XX/XX/XXXX received an email saying I could pay my bill on line. Still not able to talk to a person to explain that no account was requested. 

On XX/XX/XXXX I received an credit alert for a minimum payment of {$28.00} on a statement amount of {$250.00}. I have never seen a credit card or used this fraud card. To my knowledge there are no SEARS stores in XXXX to even shop.
Consumer complaint received 2023-03-06
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. (CA)

XXXX  Account # XXXX I am writing to file a complaint against XXXX and Equifax and XXXX XXXX  for their failure to provide me with proper validation for an account that has been furnished on my credit reports. 

I have contacted the original creditor multiple times, requesting that they provide me with the necessary information to validate the account, but they have failed to do so. I have attached copies of our correspondence for your review. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws require that companies provide consumers with accurate information and proof that they are authorized to report information to the credit bureaus. 

I am requesting that the company provide me with the proper validation for this account or remove it from my credit reports. I also request that they take the necessary steps to ensure that all future reporting is accurate and complete. 

After disputing this account with XXXX, they conducted an investigation and found no validation and adhered to the FCRA FDCPA laws, and deleted this account from my reports. I am asking these companies to do so as well I will attach a screenshot of the proof of deletion from XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-07
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 (AL)

I filed bankruptcy in XX/XX/XXXX in which Capital One was included as a part of my debt. The bankruptcy has been discharged, but Capital One has continued to report on my credit report as late, it was reported to XXXX as late on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. That information if not correct, they should have no longer been reporting to my credit.
Consumer complaint received 2023-05-26
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I stayed at a XX/XX/XXXX which I had booked through XXXX. XX/XX/XXXX wanted a deposit of {$57.00} to be released the following day when I checked out. 

I've spoken withXX/XX/XXXXseveral times and they assure me that they released the hold. 

The card that I used was an American Express Bluebird card. I've contacted American Express several times trying to discuss what should be done and they don't want to do anything about it. 

They said it will be held for 30 days unless the hotel releases the hold or mails a letter to American Express stating as much. 

I understand that there may at times be a need for credit card companies to hold funds. However for a credit card company to withhold my money from me for any amount of time when it is unwarranted in my opinion is theft. 
Respectfully XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NJ)

The credit card agreement and explanation from company is contradicting. When I questioned how they arrived at the fees and interest, the company gave me this explanation : Per the terms of your cardmember agreement, if the total minimum payment due is not paid by the payment due date ( which is the XXXX of each month ) a late fee may be assessed of {$28.00}. If a late fee has been assessed within the last six billing cycles, a late fee of {$39.00} may be assessed. 
As required under regulations, the dollar amount associated with a late payment can not be assessed which exceeds the amount required in the minimum periodic payment. As such, the late fee assessed for XX/XX/2022, XX/XX/2022, and XX/XX/2022, were {$28.00}, {$27.00}, and {$37.00} respectively. Please note that your cardmember agreement is available at any time at. 

My response wasThank you for your response. Your explanation of the late fee accessed does not justify the amount of {$27.00} and {$37.00}. Neither amounts are {$28.00} and {$39.00}. It appears that avant arbitrarily picked those numbers. 

I tried for several months to resolve this issue with company and it is misleading to a consumer.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (VA)

I did not apply for a loan with Mariner Finance. They mailed a live check to me, that I did not ask for or solicit. This implies that they ran my credit report without my permission, and I had never heard or done business with this company. They claim that I agreed to the terms of their loan by signing the check, but I did not receive " Regulation Z, Truth and Lending Disclosures '', After depositing the check, I waited to hear from Mariner for two full months. Finally, I reached out to them myself to get payment details, the term, and to learn how I could make payments. I was told the term was 24 months, so I set up 24 months of payments from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX Mariner started collections on me claiming I was six months in default. I received no correspondence from them until this notice was sent. In violation of numerous collection laws.
Consumer complaint received 2023-03-06
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-01-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX