davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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. (IN)

I had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.
Consumer complaint received 2021-09-29
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. (IN)

I had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC. (MO)

This company stated they was going to remove my account from my credit report. This account is still on my XXXX and it's been over XXXX days and i disputed and instead of removing they updated it once again. Once again this account needs to be removed from my XXXX
Consumer complaint received 2019-02-01
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. (GA)

XXXX XXXX  are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was contacted by telephone today by someone who told me that I owe Walmart the sum of {$4000.00} for unpaid credit card bills. I have not ever had a Walmart credit card I was told to call XXXX XXXX XXXX and to give them the case number of XXXX. When I called the number they told me that I did owe Walmart {$4000.00} and I would have to pay it or tell the judge that I didnt have a Walmart credit card..AGAIN I HAVE NEVER EVER HAD A WALMART CREDIT CARD Regards XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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: ENCORE CAPITAL GROUP INC. (CA)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TX)

I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. Navy Federal also failed to inform me of my right to rescind.
Consumer complaint received 2021-09-29
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

Date : XXXX XXXX, Equifax Subject : Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Last XXXX of SSN # XXXX Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX. The notice was sent to a non-mailable address or never sent, and as a result 30 day notice was not sent before this was put on my Credit Report, I requested its IMMEDIATE REMOVAL from my consumer report. Also Equifax has this listed as a loan they never gave any money and I requested validation of debt over three months ago and they never sent validation of debt letter. I called XXXX XXXX XXXX and told me balance was more than was was on credit report, so I requested proof but never received it either. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 
Please send an updated copy of consumer report. I also was a victim in Equifax XXXX XXXX.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

I applied and got approved for a Barclay 's Uber Credit Card in 2018, but it has come to my attention that they are discontinuing the Credit card. I have not received guidance on how to cash out the rewards that I have accumulated.
Consumer complaint received 2021-09-29
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: ENCORE CAPITAL GROUP INC. (VA)

I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX for {$510.00} on XX/XX/XXXX -Midland Funding for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Consumer complaint received 2021-09-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX  for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX -Portfolio Recovery Associates for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Consumer complaint received 2021-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Attention : Consumer Financial Protection Bureau I sent a letter to XXXX XXXX BANK XXXX XXXX disputing an account as erroneous on XX/XX/2021, and mailed XXXX XXXX BANK XXXX XXXX a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from XXXX XXXX BANK XXXX XXXX. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX XXXX BANK XXXX XXXX has ( 30 ) days to investigate my dispute. XXXX XXXX BANK XXXX XXXX has not verified the information within the 30 day time period, XXXX XXXX BANK XXXX XXXX must delete all of the disputed accounts from my report. XXXX XXXX BANK XXXX XXXX must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. 

Attached is a copy of the postal receipt of my credit dispute to XXXX XXXX BANK XXXX XXXX and a copy of my original letter showing the account I have disputed. 

Thanks in advance to your timely response to this request. 

Sincerely,
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NY)

Received letter in the mail that someone tried opening a checking account with Wells Fargo and was declined. On or around XX/XX/2021, I did not authorize this transaction. Also there were several other attempts to open leasing accounts that were not authorized nor did I apply for these accounts. This has severely decreased what credit score I had left. Account was trying to open in my previous married name XXXX XXXX XXXX
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I was trading on the Coinbase platform up until XX/XX/XXXX when I was locked out of my account. I have been restricted access to my funds since XX/XX/2017. I have called and emailed the company countless times with no resolution. I am still currently locked out of my account nearly 3 months later, and all they can say is " a specialist has to take care of that. '' They will give me no time frame and no more information than that I just have to wait. This is criminal. This is my money they are withholding from me. Please help me with this.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I filed a dispute on a transaction made in XX/XX/2023 with Citizens bank in the amount of {$620.00}. I paid for XXXX concert tickets and the tickets were invalid/fraudulent. Citizens bank has NOT provided me a provisional credit and it has been over 10 days from the date I filed a dispute!
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-29
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: Convergent Resources, Inc. (VA)

I was wrongly accused and penalized on my credit report by the following companies : -Convergent Outsourcing for {$510.00} on XX/XX/XXXX XXXX XXXX for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WA)

On XX/XX/XXXX I took a loan of {$800.00} from spotloan with the agreement of making 8 biweekly payments of {$200.00} ending XX/XX/XXXX. Even though this was already an insane interest rate, I agreed since I needed the money. At the end of XXXX I missed a payment and when I received an email regarding this and that they were no longer authorized to withdrawal from my bank I was informed that my new payment schedule was to make 12 more biweekly payments of XXXX $ until XXXX of 2022. What the XXXX? So not only am I back at where I started paying off the loan but I have to make even more payments than originally agreed. On top of the XXXX $ I had already paid off! This is insane and has caused immense financial and emotional stress. These people know exactly what theyre doing and they dont give a XXXX. They swindle poor working class people in dire situations while they line their pockets with millions. Absolutely evil and disgusting. They deserve to not only be XXXX down, but also rot in jail and compensate families theyve caused financial distress to.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  : notice wrong amount for Primary Mortgage balance with XXXX XXXX. Reporting states {$260000.00}. Updates balance is {$250000.00} XXXX  : Same with XXXX. Wrong balance reported. Should be {$250000.00} Transunion : Same with Transunion. The XXXX XXXX Primary Mortgage ( not ELOC ) balance should be {$250000.00}
Consumer complaint received 2021-09-29
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. (PA)

I am literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!
Consumer complaint received 2018-02-28
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. (KS)

I submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I leased a vehicle ( XXXX XXXX ) through XXXX XXXX from XX/XX/XXXX - XXXX. In XX/XX/XXXX, I traded the vehicle to a dealership. I submitted all the required paperwork and turned the vehicle ownership to the XXXX XXXX ( XXXX, FL ) car dealership who ultimately paid off the vehicle. Due to the numerous, lengthy issues between XXXX XXXX and the XXXX XXXX car dealership, there was a missed payment in XX/XX/XXXX. I was completely unaware of this issue, and as far as I knew, the vehicle was paid off, according to XXXX XXXX. It wasn't until several months later I received a notice from XXXX XXXX stating that I was late on a payment. I voiced my concern to the finance company ; however, they dismissed everything I had to say and notified the reporting agencies that I missed a payment. 
Further investigation revealed that XXXX XXXX XXXX did send payment to the finance company. Still, they refused to accept the payment and sent the check back to the dealership via mail, hence the time delay before I was notified. After the dealership received the notice that XXXX refused payment, I was contacted and attempted to remedy the situation with XXXX. Still, they refused to hear me out and marked my credit account " XXXX days past due '' to all three credit bureaus. I took extreme care of my credit and was never late on any payment for the entire time I leased the vehicle. Despite my diligence to make sure XXXX receives timely payments, they refused to work with me on the issue. After the issue was brought to my attention, I worked with the dealership, and XXXX ultimately received the money to pay off the vehicle. I do not agree with the XXXX days past due mark on my credit report because XXXX received payment promptly. Still, they refused to accept the payment, causing a significant delay before I or the dealership knew the issue. XXXX has received their payment, the vehicle is paid off, and I want the negative mark removed from all three credit bureaus.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FinCo Services Inc DBA Current (PA)

I contacted yall today to updated my address to motel address I am staying at because I dont have access to my old address no more to get my new card but your agent told me I cant I want yall to update my address from XXXX XXXX XXXX XXXX XXXX PA XXXX to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX.
Consumer complaint received 2021-09-29
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: Helvey & Associates, Inc., Warsaw, IN Branch (AZ)

I reached out to the company via phone before a payment was made to this account advised of a pay to delete and i was granted that information if i processed the payment they would delete the account in full so i processed the payment afterwards i never received anything from this company but they did make sure to updated my credit report showing paid but never removed the account from my credit report as i was granted