davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Levinbook Law Firm, P.C. (NJ)

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me and 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with MIDDLE COUNTRY COLLECTION SERVICES, INS, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer.
Consumer complaint received 2021-12-27
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. (MI)

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX
Consumer complaint received 2017-11-29
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: Credit Plus Inc (MO)

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports soon.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have disputed this with the credit bureau and they removed it and place it back on my credit. I have told the company that this is not my debt only thing could send me was a copy of the bill no paper where I signed no contact from me.
Consumer complaint received 2021-12-27
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (FL)

I sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have reached the presence and access of the wrong person.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I disputed a charge of {$66.00} Reference XXXX for a travel insurance I never intended to purchase while booking flight on XXXX XXXX XXXX I called XXXX XXXX, they referred me to insurance company I called them immediately and they asked me to dispute with the bank. This is all happened within few minutes of me realizing the charge was made and 10 days before the first flight. American Express failed to perform their fiduciary responsibility and declined my dispute.
Consumer complaint received 2021-12-27
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)

After communicating with XXXX XXXX from XXXX XXXX  Fraud & Risk Specialist team 45 days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, Equifax and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Consumer complaint received 2021-12-27
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. (CO)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-12-27
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. (CO)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO updated the balance of account XXXX by making a payment of XXXX $ to re-age the collection account that is not owned by me. This is aganist law FCRA Section 605 ( c ).
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (AL)

I was formally a long term and loyal customer of Wells Fargo Bank XXXX. I had both personal and XXXX checking and XXXX account. 
I have had issues with customer support online and on phone. They would leave me on hold for hours, and transfer me to the wrong department etc. They declined my ppp loan even though I was qualified, and when another local bank approved me, I systematically closed every account. Ensuring they were all in good standing and I owed nothing. I recorded them stating as much via phone calls with them. Because I wanted to be done with them, and have no further dealings. 

Several months later I get a letter saying they were mistaken that I did in fact owe on a business credit card. But I have the letter saying my security deposit for my secured card was returned due to me not owing a balance. 

Even the letter clearly states that they made a mistake. I do not owe them. I proof that I close that account without a balance, and I will not pay, for their mistake.
Consumer complaint received 2021-12-27
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : Citizens Bank on XX/XX/2021.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Action Professionals, Inc. (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2021-12-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

We had XXXX XXXX from Huntington bank lied to us about how much we qualified for a fha loan he said we qualified up to XXXX then we it found our house we started the process and he wouldnt answer my realtor or our lawyer he kept saying everything was good to me. 7 days before closing he told us oh you have to pay off a bill and get it off your credit before we can move on. He prequalified us for a loan that we wherent qualified for. He was very rude to our realtor. We ended up having to find a new lender and putting 10 percent down when thats not what we wanted to do he also added credit cards to our credit without permission. Both me and my husband credit was ran way to many times by him. Now our credit is messed up and he has messed made it to where we paid way to much for closing cost. He also never wanted to email or text back he would only want to talk on the phone to try and cover his mess ups. He put the XXXX XXXX card not only on my credit but my husbands credit. He also made false Preapprovals saying we where good to look at houses when we really wherent. He really made my life a living XXXX for 3 months straight. 
This is where he works I have a lot of proof that of all the damage he has done to me XXXX XXXX and my husband XXXX XXXX The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX huntington.com
Consumer complaint received 2021-12-27
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. (IL)

Hello, I have tried for months to get this resolved with XXXX finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with XXXX and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from XXXX have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (GA)

Affirm has not refunded my money for item that was returned. 

I purchased an e-bike from XXXX which I financed through Affirm. I paid for the bike in full prior to receiving it. Once the bike was delivered, it did not meet my expectations and I returned it. Because I financed it with Affirm, XXXX refunded them directly. According to Affirm, they received the refund of {$3900.00} from XXXX on XXXX. As of today, I still have not received my refund from Affirm. I called Affirm at least 4 times, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX ( I believe I called 2 other times but I do not have the dates ). I've summarized the calls below. 
XXXX : customer service rep - " a refund check is processing, allow 16 days to receive. We attempted to refund your master card but it was declined. '' I then asked to speak with a supervisor. 
XXXX : supervisor - " your final payment was received more than 180 days ago so we can only issue refund via check. It is being processed, allow 16 days to receive. '' XXXX : received email " your refund is processing. please allow 16 days for it to arrive. '' XXXX : customer service rep - '' a refund was processed on XX/XX/XXXX allow 16 days to receive. Can't provide check number nor date sent ''. 
XXXX received email confirming refund processed on XX/XX/XXXX allow 16 days to receive. 
XX/XX/XXXX : customer service rep- " we tried to refund your master card on XXXX but it was declined. we have processed your refund but I do not know the check number nor the date sent. '' I then asked to speak with a manager. Stayed on hold for 60 minutes, no manager available. 
XX/XX/XXXX spoke with a supervisor. " refund was processed on XXXX. please allow 30 days to receive. '' Can not provide check number or actual date sent. 

Affirm never denies that they owe me the refund. They never say the check was sent, instead they use the word processed. As of today, it has been 53 days since they received the refund from XXXX for the returned bike. I would like a refund sent via bank transfer or by check with tracking information provided. Thank you in advance for your assistance.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

Hello my name is XXXX XXXX XXXX Ive was a Citibank customer from XXXX until XXXX. My account was past due XXXX time due to an hurricane we had to evacuate and everything was lost and I had a hard time logging back into my account. Now that my account is paid off and closed I want to know can I have a courtesy and removing the late payment from XXXX. I have a bad XXXX Im trying to get approve for XXXX XXXX and this late payment is hindering the process I am begging this is a life and death situation please help me. Thank you so much
Consumer complaint received 2021-12-27
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: HYUNDAI CAPITAL AMERICA (IL)

Hello, I have tried for months to get this resolved with Kia finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with Kia and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from Kia have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.
Consumer complaint received 2022-08-31
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. (KY)

Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.
Consumer complaint received 2022-08-31
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. (KY)

Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.