davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Hello! 

This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts. 

I have strong reason to believe that they are inaccurately reporting. 

May you please encourage this company to conduct a proper investigation with the original creditor? 

Did they investigate? 

Thank you!
Consumer complaint received 2022-11-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXXXXXX XXXX XXXX I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and USDOEXXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AR)

My federal student loans were with XXXX XXXX which transferred my loans over to MOHELA around XX/XX/XXXX. During the pandemic I made {$100.00} a month since XX/XX/XXXX, about {$1900.00} total, in voluntary payments to XXXX and MOHELA from when I first requested it from Mohela on XXXX of XX/XX/XXXX. MOHELA has only refunded {$370.00} of that amount and stated because I made the remaining amount with XXXX that it would take XXXX days to process. I still have not received any information or ETA of when I would receive a refund check for the remaining amount.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-04
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)

On XX/XX/2019 a line of credit was fraudulently opened in my name by XXXX XXXX XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-11-14
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. (FL)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (DE)

Truist Checking account number XXXX. 
Truist debited my account {$1000.00} erroneously nad declines to recredit. Someone wrote a check on their truist account for XXXX and truist erroneously deducted the funds from my account. It was a : typing error, or posting error, or scanning error. The other account had a number close to my account. I do not know the person or company that has the othern account. Instead of posting the XXXX debit to XXXX account, they posted it to my account. You would think this could easily be corrected, but no. I went to the Truist Branch in XXXX XXXX, Maryland. Spoke to XXXX. She got someon on the phone. They insisted on treating it as a lost check or foergery matter. It is not. It is theor posting error. They kept asking me of I lost a check, or authorized the check! The image of the check appears in my online account but they seem to ignore the image.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

- On XX/XX/23 {$700.00} was taken out of my acct without my knowing - on XX/XX/23 found out that {$700.00} was missing from my checking acct, putting my acct into a deficit - On XX/XX/23 i contacted vystar customer service to inquire about the missing funds- On XX/XX/23 I was informed an investigation would be made - On XX/XX/23 I met with a supervisor at the XXXX XXXX XXXX florida branch and the following statements were made by vystar : - my claim was denied - and was informed that I will not be receiving my funds back - no specific reason was provided except that " XXXX is very complicated '' I feel that Vystar has a responsibility in having an effective process that allows me to indicate on every transaction whether or not I authorize the transaction. In this case, there was clearly a breakdown of process and I should be fully reimbursed or be given a full breakdown of their investigative process. 

Thank you for your assistance. Please let me know if I can provide any additional information to you or Vystar. 

XXXX XXXX
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (FL)

That is so funny because I called my self, and they say that I have not submitted any dispute, but I have proof with certified letters that I have sent them everything they asked for. I have called personally, and they have responded that I had not submitted any dispute. After three months of trying to dispute and no response, I mailed the last dispute with certified mail with signature evidence of being received. You need to realize that I am the consumer and I should not have all this issue to dispute to XXXX. That after 3 months they still have not responded.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NV)

CANCELLATION OF DEBIT PAID OFF THROUGH IRS, BRENCH OF STATUTORY OBLIGATIONS IS OF SIGNIFICANT CONCERN. NON COMPLIANCE WITH AFOREMENTIONED LEGISLATION UNDERMINES CONSUMER RIGHTS COMPROMISES THE INTEGRITY OF COMMERCE, AND POTENTIALLY INCURS SERIOUS LEGAL CONSEQUENCES. 

As outlined in Title 15, Section 1640, violations can lead to statutory damages, actual damages, and even the recovery of court and attorney fees. 

SUBSEQUENT EXAMINATION OF CONSUMER PROTECTION LAWS REVEALED THAT THIS MANDATE IS IN CONTRAVENTION OF THE REGULATIONS SET FOURTH IN THE CONSUMER LEASING ACT ( Title 15, Sections 1667-1667e ) of the United States Code . According to these legal provisions, consumers are not obligated to tender a down payment to secure credit.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On Sunday, XX/XX/2022, I fell victim to a scheme via XXXX XXXX where I paid {$500.00} under fraudulent circumstances. Payment was made via XXXX on my Bank of America account. Immediately after payment was issued, I realized it was a scam and called BOA to stop the transaction. The representative I spoke with advised that payments can not be reversed once submitted through XXXX. Please keep in mind that XXXX is a vendor that Bank of America endorses. At that time, I was advised that a fraud claim would be filed, which would include contacting the other party 's bank requesting the funds returned ( which BOA called " a courtesy, '' but I would call " the bare minimum '' ). After not hearing anything for several days, I called BOA back on XX/XX/XXXX, only to be advised that a claim was never filed. Fraud claim was filed that day. A few weeks later, I received word from BOA that since it was a willful payment on my end, they would deny my claim and their " attempt '' to recover my funds from the other party were unsuccessful. Of course they were unsuccessful ... they didn't file the claim when they said they would ( date of transaction ) so after I followed back up XXXX weeks later, it should be no surprise the funds were longer available in the recipient 's account. In late XXXX, I transferred funds from another bank account I have to my BOA account via XXXX. After submitting the transaction, there was wording on the confirmation page that the transaction could be reversed for {$10.00}. Clearly that would indicate that funds submitted via XXXX could be reversed, but BOA 's utilization of vendor obviously doesn't include that option. I provided a screenshot of that confirmation page to Bank of America, spoke with a representative, and a manager from the XXXX Complaint department both of which confirming my claim would be denied. When asked to speak with someone with the authority to reverse the decision, the manager advised me that anyone that she put me in contact with was not going to reverse the decision. Also, between the time of the fraudulent transaction and now, BOA customers have received at least 2, maybe 3 generic emails about the use of XXXX and its potential for fraud - BOA continues to use and endorse this vendor despite of its fraudulent potential for its customers. My only ask is for Bank of America to do the right thing and credit my account back the {$500.00} lost. I did my due diligence to reverse the transaction immediately, but the real detriment is BOA not following up with doing what they said they would do ( file a fraud claim immediately ). I have been a customer for 16 years and I would expect better service to a long-term customer. Also, why would BOA continue to use AND endorse XXXX if they know the potential and high number of fraud schemes using XXXX.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

XX/XX/2023 I sold my collection to another person. We used PayPal for the transaction of {$1600.00}. Paypal took out a fee of {$47.00}. Leaving me with {$1500.00}. Paypal informed me that it will take 21 days for the money to clear to make sure the buyer was protected. I waited the 21 days. On XXXXXXXX XXXX XXXX XXXX, I checked my account and they were permanently disabling my account and that I can not use PayPal anymore, they stated they will hold my balance for 180 days. I did nothing wrong to have this happen. I want my money from this account. I called the business and they stated they did not see any reason why this happened but had to send this to the review board, which can take 7 days. 
I want Paypal to remove the limitations and I want to be able to get my money and transfer it out of PayPal.
Consumer complaint received 2022-11-14
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. (FL)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Bureau shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-02
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. (MA)

I have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting information.