davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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. (MO)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX XXXX  account number XXXX and the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2021-12-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Good evening, I cancelled my capitol one credit card months ago, due to financial hardships, however, I continued to make payments. When I checked my credit score, they have still be charging me interest and late fees! I spoke with a representative on the phone when cancelling, and let it be known that i could only pay 35-40/month. That was two months ago. My credit score has been severely effected.

So essentially, they don't care about financial hardships. My payment record has been in excellent standing and they are giving my NO credit on making payments that I can afford. 
This is robbery. I get the whole script about " with this type of card, you have to pay the balance off in full '' before closing and I explained the hardships. 

Please Help
Consumer complaint received 2021-12-23
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: CITIBANK, N.A. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the CITI account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( CITI XXXX )
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services fail to validate an alleged debt of a car loan pursuant to FDCPA & FCRA after many attempts to resolve the situation in accordance to federal law. 
On XXXX a letter was made stating that TFS received my request for validation and after their records were researched but not Validated, they determined the account being reported was consisted with their records. 
On XXXX as evidenced by certified Mail Receipt # XXXX XXXX, Affidavit was sent Certified addressed to Toyota Financial Services ( TFS ) seeking to resolve the issue with remedy of {$300.00}. 
On XXXX, XXXX XXXX was also sent certified letter requesting accountant sendFinCEN Form 101 " Suspicious Activity Report ' as evidenced by certified mail receipt XXXX. 
A letter dated XXXX XXXX, was sent to my residence with threatening and intimidating language of taking my property to sale the debt which is in violation of 15USC 1692d without the debt being validated. 
Further attempts were made through Notarial Protest On XXXX, XXXX XXXX was sent Notice of Breach as evidenced by Certified mail receipt # XXXX On XXXX, Notice of Protest and Opportunity to Cure as evidenced by Certified Mail # XXXX. 
On XXXX around XXXX ; XXXX, TFS committed theft by sending an asset management company to take my property thus violating 15USC 1692d. 

Afterwards from fear and intimidation, On onXXXX, TFS was sent Tender of payment by way of negotiable instrument for accord and Satisfaction in accordance with UCC with an Affidavit of Tender of payment as evidenced by Certified mail Receipt # XXXX. 
As of today, XXXX, XXXX XXXX CFO of TFS has failed to respond thus committing dishonor through non-acceptance and or non-performance.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights. 

15 U.S.C. 1681 section 602A 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 an 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 7 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 information is inaccurate.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank had a special, bring over certain increments of money and receive a bonus. I opened an account and brought over {$50000.00} and was to receive {$700.00} after 90 days. I did my part and never received my {$700.00}. The money was due no later than XX/XX/XXXX according to the rep I spoke with. I started a phone investigation with them and I went into the XXXX XXXX Citibank branch and the branch manager started an investigation as well. Both the manager and the phone rep assured me we had opened the proper account and deposited $ XXXX in a timely manner and I should receive the money. I still do not have the {$700.00}. I have since taken out the $ XXXX ( that was in XXXX ) because I don't want to bank with them and left about {$27.00} in the account just to keep it open until I get this resolved. I have called several times to get to the bottom of this only to be disconnected after XXXX minutes.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (SD)

Had a vehicle loan for our XXXX XXXX in from XXXX XXXX XXXX XXXX  we made our payments on time every month with Wells Fargo. Our monthly payments were {$310.00} from XXXX XXXX XXXX XXXX Then in XX/XX/XXXX we called Wells Fargo Dealer Services to let them know that we would be makin a payment the very next day which was a Tuesday, and Wells Fargo agreed to this. I had off from work and told my husband he could use the car to get to work. He came back inside and said What car?!? Between Monday night and Tuesday morning of XXXX XXXX  Wells Fargo had repossessed our only mode of Transportion. We had to declare a XXXX XXXX bankruptcy with XXXX and XXXX to be able to get our vehicle back. We then had to find a ride to XXXX XXXX, Maryland to retrieve our vehicle. If Wells Fargo hadnt repossessed our vehicle we would never have had to file a XXXX XXXX bankruptcy. That bankruptcy was finalized on XXXX XXXX XXXX and this year it will be free and clear of our credit report.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I contacted American Express for a travel credit that I had not received for my Platinum Credit Card. American Express would not honor the credit until I finally called them on the phone. 

While I was dealing with them, they offered me a retention bonus offer of XXXX rewards points If I spent XXXX dollars within 3 months of accepting the offer. I advised the representative that the offer was fine, but I still wanted my travel credit. This was before they had credited me for the XXXX dollars. I met the spending requirement, and reached out to American Express on XX/XX/2021 to confirm when I would receive the bonus points. The rep advised me that " I did not accept the offer ''. I advised him that that was untrue. I filed a dispute which was XXXX. On XX/XX/2021, I reached out to check on the offer, I was told that it would take 7-10 business days for a resolution. Today, XX/XX/2021, the tenth business day, I once again reached out to AMEX. After being transferred several times, I was told " The Dispute was automatically closed, due to the customer declining the offers '' I was never notified, and was never offered an explanation. 

This entire transaction is on my chat, and is saved on the Amex APP. Amex uses bait and switch tactics to lure customers into thinking they are being taken care of for poor service. I met the spending requirement, and continue to be led on. I would like to receive the XXXX rewards points that I deserve. I asked American Express to provide a pdf of the conversation, they were unable to due to " Privacy Reasons ''. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I submitted a dispute on XX/XX/2019 notarized and certified mail to National Credit Adjuster no response also to all three credit bureaus they respond with. Verify document not the original documents sign and dated. Also I filed a complaint with the FTC on this account being fraudulent not my account I was also in the XXXX  data breach were my information was stolen. Also this company reporting inaccurate information on my report and thats against the law. Address inaccurate, name inaccurate, date open inaccurate balance reporting inaccurate please remove and delete
Consumer complaint received 2021-12-22
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: TRUIST FINANCIAL CORPORATION (TX)

XXXX and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable XXXX XXXX and XXXX also failed to mark this account as disputed violating CRA 623 ( a ) b ) by failing to mark this disputed account as disputed
Consumer complaint received 2021-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I've attached the complaint letter I filed with Chase/J.P . Morgan on XX/XX/2021. 
I received a phone call from XXXX XXXX today, XX/XX/2021 apologizing, and saying that my funds are now available. And that's it. Nothing about the delinquency in the branch not depositing my funds as directed by another financial institution and on time. He made it clear that Chase " would not be compensating me for this experience, but he apologizes and it shouldn't have happened. ''
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. XXXX website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (GA)

For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on https : //ecorp.sos.ga.gov/BusinessSearch it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so. 

I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

I received a call from sunrise credit company, about a XXXX XXXX in which I stated I never had their services. I called them they gave me a email to send in something saying XXXX not responsible for the debt I did that no one has contacted me since than Ive asked for the original contract, the creditors information in which they only gave me a email, payment history as well as proof of ownership I was not provided none of those documents
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (CO)

Within the last three months and never gave me a chance to squash legally or denied and be notified assisted the criminal illegally to commit fraud then denied the rightful entity she was obligate as the branch manager to be concerned about this matter she said she was was sorry numerous times assuming liability personally as I am about sure she knew she would incriminate herself XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX & XXXX account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Financial (OH)

I'm getting a phone call once a month, that talks about processing papers. The suspicious thins about this caller is that they seem to contact people that I have talked to that day, even people that would have had nothing to do with a debt. The number that comes up on the caller id is XXXX, but I'm told to call XXXX.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I lost my house by Foreclosure for XXXX. I was married with XXXX XXXX and we got divorce. He didn't want to make the payments and he was the one who have SS. 
I have to leave the house with a child to rent an apartment since that happened I struggle every single day until today. The Address of the house XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My account in Wells Fargo XXXX Alsi I used to pay a Loan of my car with the same bank. Wells Fargo. 
My phone XXXX Email XXXX Please help me.
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.