davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT Southwest Credit Systems Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEM Reported : XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX nj XXXX
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, my Citi XXXX Credit card was charged a {$95.00} annual fee. I called Citi and asked to cancel the card. They provided a retention offer, saying that if I spent $ xx on the card in a certain amount of time, they would waive the annual fee. A couple weeks later, I could not remember what the offer had been that I needed to complete, so I called citi back to ask what I needed to do. The representative shared with me that I needed to spend {$95.00}, and I did so that same day. A month later, when the annual fee had not been refunded, I called Citi to inquire why it had not been refunded and I was told I had not made the charge in the required timeframe. I shared that I had called Citi the same day I made the charge and had been told at that time that the offer was still valid. Citi still refused to refund the annual and said they would need to go back and  listen to the call history, which might take up to 30 days. I informed them that would not be paying until they called me back with the resolution on the dispute. This dragged on for 3 months, and I was not provided a resolution until XX/XX/XXXX. Citi did at that time refund the annual fee and the late charges due to their error, and I paid the full account balance at that time. Citi refused to let me dispute the derogatory credit reporting.
Two months later, I have tried to use my card and was declined multiple times, I assumed my card was expired or something. I called Citi to have a new card sent, and was told that my account was closed, prior to my discussion and resolution with them in XX/XX/XXXX. I was never sent a letter informing me of the account closure. They also stated that I would have received a letter in my online banking and there is no such communication there. The person I spoke to for over an hour who refunded my fees also never informed me that my card was closed. Additionally, I have had a credit balance on my card for two months now, and despite the fact that the card has apparently been closed for almost three months now Citi was simply holding on to my money, instead of sending me a check for my balance.
Citi clearly violated regulations in not sending me notice of account closure, they also should have sent me my credit balance, however my primary concern is the derogatory credit reporting that Citi reported, despite the fact that there was on ongoing dispute regarding the charge on the credit card that was not paid. Citi dispute # : XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

These late payments are inaccurate and I've tried to get them removed various times throughout the years with no resolution from XXXX XXXX. The late payments are : -60 days past due as of XX/XX/XXXX, XX/XX/XXXX -30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per USC CODE 1666B " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive any statements, rather mail or digital mail / email within 21 days of my statement.

These late payments should removed or updated as current / positive status on my credit report.
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I sent a {$600.00} USD payment and on XX/XX/2021 I initiated a payment of {$1400.00} USD to a recipient of whom I thought worked for a real estate agency for a house payment. However they did not work for the housing agency. They used non legitimate documents and claims to snake the money away from me via XXXX and Bank Of America. They provided me with Fake Approval Letters, and Lease documentation as well in which I printed it out because it was emailed to me. I signed it & sent a picture back to the scammer. I still have access to the phone numbers & emails that were used to get information from me. As well as the person whom I initially was contacted by on XXXX marketplace regarding the home listing. I contacted Bank of America and of course they said there was nothing that they could do on their ends to track whom did this nor reimburse my funds. Frustrating situation. I even contacted my insurance provider ( Progressive ) to get renters insurance on the property. I can be reached at XXXX.
Consumer complaint received 2021-07-10
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. (WI)

Equifax has a different credit report on My file. This is a huge violation. The DOB is listed as XX/XX/1933 and that's not my DOB. Equifax has the wrong person on file and the accounts noted are also not mine and no information given, after 3-4 months. Per 15 USC 1681a, 1692efg these accounts are noncompliant and I want removed immediately. I will also be pursuing further. Copy XXXX, Attorney General and FTC.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

On XX/XX/XXXX, I sold my XXXX XXXX to an individual for {$1600.00}. While I submitted the Transfer of Liability to the DMV immediately after the sale, the new owner did not. The name of the registered owner stayed in my name, and the DMV waited for the new owner to complete their side of the paperwork to complete the sale. They never did, and it seems like they never intended to. In fact, we are no longer sure of the true identity of the buyer. 

It seems that from XX/XX/XXXX to XX/XX/XXXX, the new owner of the XXXX received five tickets and the XXXX was impounded on XX/XX/XXXX. We were not aware of the tickets as I moved shortly after selling the vehicle, got married and changed my name, and currently reside in a different county. I was only made aware of the issue when the collection letter was sent and we started looking into the history of the vehicle. 

The collection agency will not release the debt after providing the Transfer of Liability Form 138 from the DMV, Bill of Sale, and a current Vehicle Records Receipt showing that the vehicle has been sold twice more since we sold it in XXXX.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
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. (FL)

Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for collection account XXXX XXXX XXXX. I've tried getting in touch with the collection company as well and didn't get a response back. That very same account was also on my XXXX  which they weren't able to verify and since then has been removed. You guys aren't actually verifying anything it's much easier to just say its verified I would like an reinvestigation and this thing removed off my credit.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, Consumer XXXX XXXX have an issue with the way my consumer report was improperly used. Pursuant to 15USC 1681n, a person who obtains a consumer report under false pretenses or knowingly without a permissible purpose must be held liable for their failure or damages. Proof of said failures and damages are included in the image attached to this complaint, which shows the consumer reporting agency ( Transunion ) is admitting to willfully failing to comply to the rules under this subchapter through deletion of seven inquiries that I did not consent to, authorize, nor benefit from when previously confronted. Therefore I am due remedy for each inquiry that caused damage to me and my consumer credit report. I demand {$1000.00} compensation for each inquiry listed below. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6. XXXXXXXX XXXX  XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Hello good day I'm contacting you for your help I'm having problems with my resolution to my problems. I asked the credit bureaus to investigate and help with in accuracy on my report. They said they did the investigations but once I checked my report and I found more inaccurate information than every. I really need your assistance because they will not help me. I'm going this myself because I can't afford to get help because I'm XXXX and on a fixed income that's why I would like for you to please help me thank you
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had auto pay set up on my Citi bank card. The set amount of XXXX which was the min payment set to be taken out of my checking account on each month on the due date on the XXXX of every month and for the month when the problem started with was for the month of XX/XX/XXXX. My min set amount due to taken out with my account set on auto pay was {$290.00} then on XXXX another withdraw was taken from my account in the unauthorized amount of {$1100.00} that was never approved. I did reach out to the CC company and they told me it could take up to 2 weeks to refund the money. The money was never refunded so I reached out to my bank to dispute the withdraw. My bank determined that the payment wasn't processed based on the terms under my card agreement and Citi bank returned the amount of {$1100.00} XX/XX/XXXX. My CC account was also current before the due date for the month of XXXX. I have not used this card for any purchases for months. In the process of getting the money returned to my checking account, Citi bank then lowered my credit limit down below the the amount I owed and is now telling me I am late making payments and harassing me to make a payment. I still have cont. to make my payments on time and still have not used my card to make any transaction. I have reached out to Citi bank requesting that they put my credit limit back to where it was so I wouldn't be over my limit now and they have refused. I was current and have cont to make my min payment on the due and now have received a late fee of {$40.00} on XX/XX/XXXX. I made my payment on time for XXXX for the min. due and then again another payment on XX/XX/XXXX for the amount of {$210.00} and then another payment on my due date of XXXX for the amount of XXXX. This has all started from them taking an unauthorized payment from my account and now I am {$640.00} over the limit and they are cont to add late fee 's for an account that I have been current on and can't get a straight answer from anyone in customer service. They denied my credit limit increase.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paradigm Assets, LLC (IN)

I contacteXXXX XXXX XXXX XXXX XXXX XXXXone number XXXX in the beginning of XXXX about an issue with my credit report. JHPDE finance one instructed me to call XXXX XXXX XXXX about my account. XXXX XXXX settled that account for JHPDE finance one at the end of XXXX for the amount of XXXX as settled in full. Now JHPDE finance 1 Has put in my credit report that I/O {$1600.00} from my settled account. I filed with the credit bureau having no luck and having this removed from my credit report
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I traded my XXXX XXXX XXXX Sportback Quattro for XXXX XXXX XXXX. This transaction occurred with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

Our XXXX XXXX XXXX was financed with Suntrust Bank. When we traded our new car loan was with XXXX XXXX. The dealer was responsible for paying off the trade. 

Almost immediately, I started to receive calls from Suntrust Bank asking for payment for the XXXX. I explained that the car was traded. They asked that the dealer send a copy of the trade agreement. The dealer complied, but Suntrust still posted 30 day late. They continued to harass me. One month in, I get credit warning that my credit score dropped by XXXX points for a 30 day late payment. The kicker was that there was a XXXX  balance. 

I've tried to get Suntrust to correct to no avail.
Consumer complaint received 2021-07-10
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: Credit Corp Solutions Inc. (NY)

Regarding an older collection debt {$850.00} from XXXX that had fell off my credit report. It has now reappeared in XX/XX/XXXX by a collection company called Credit Corp Solutions reporting that this account was opened in XX/XX/XXXX, so it looks like they have re-aged a fairly old debt without any communication with or from me that could actually re-age it. This is fraudulent behavior. I have not at any time been in contact with any agency regarding this account.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
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)

So I recently tried to get them to remove all the accounts I didn't authorized them to report. They told me they had to " verify '' my accounts with " creditors. '' According to 15 usc 1602g " the term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. '' Pursuant to 15 usc 1602e " the term person means a natural person. '' A corporation is not natural person. A corporation does not have the power to verify anything it is just a piece of paper. according to 15 usc 1681a ( 3 ) you assumed the role it was not given to you by the govt. I want the senior executive to contact me at XXXX with a copy of a notarized affidavit showing me proof that I granted Transunion the permission to report anything. According to 1681b ( 2 ) you need my permission to furnish anything on my report.
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Multiple inquires from XXXX and XXXX  XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my XXXX  report XXXX, XXXX, and XXXX XXXX  from all of my credit reports via XXXX, Transunion, and XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bay Area Receivables, Inc (DE)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2020-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I contacted Capital One XX/XX/2020 to extend my Auto loan payments for two months based on Covid-19. The company denied the request stating that this option is not available and offered a due date  change, however advised that interest in the amount of {$920.00} would need to be paid throughout the the life of the loan and/or added to the end of the loan to process the due date change. 

In light of the pandemic I was shocked to learn that the company is not assisting customers to prevent economic pitfalls or damage to ones credit, rather the only option available ( a due date change ) added additional interest to the loan causes additional hardships. 

Account # XXXX