davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX  Ive notified the police in reach out to the company in no action has Been taken
Consumer complaint received 2022-04-21
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: ProCollect, Inc. (NY)

This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) Remove this amount reported falsely on my report immediately. This company failed to verify and prove this debt belongs to me and that the information reported is accurate. 

This company claims an account was opened on XX/XX/22 ... .. provide original documentation proving this to be a mutual contract agreement. Also provide the invoice showing why this money is owed.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, i looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them in reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX the sent me their investigation and said these accounts are complete and accurate. 
XX/XX/XXXX I sent a written request for them to provide a detailed description of the investigation process. Which they did not respond to. 

Heres the tracking for that letter : XXXX I looked at my report and noticed everything is still the same And according to 15 USC 1681i 5 they are suppose to do this ( 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 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ( ii ) the information is, in fact, inaccurate. 

Experian really did not reinvestigate. They lied on an official document saying they did something they did not do and i have evidence to prove my case.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My payment is due on the XXXX of each month. I make my payments on the XXXX of each month. They fool around and do not process my payment until after my due date and then charge me a late fee of {$40.00}. This is happening every single month. The company is Capital One. I have a " XXXX XXXX XXXX card. They are located in XXXX XXXX XXXX, Utah. Their phone number is : XXXX. I hope I've given you enough information to solve this case. I do not know who I have spoken with as I have called and tried to resolve this problem " MANY '' times. 

help?
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I had a credit card with SYNCRONY BANK ( TJX Rewards Platinum Mastercard. since XXXX. On XX/XX/XXXX I called the bank to make a payment of the amount of {$290.00} using my checking account. And after 30 days I closed the account. I received my last statement after 30 days and I noticed that my due amount was incorrect, because my payment of {$290.00} was not included. I called the bank again and they were going to open an investigation and see if they could find my payment. I provided the tractions numbers and I was told that it might be victim of fraud by some one else, but I was sure that the payment was made to the bank and also I contacted and spoked to someone from the bank. 
is being hard for me to fix this matter, because the employees at this bank care less, after the investigation I was told that they found the payment and they will return the money to me, and I got the check, but days after I received another statement denying my payment of {$290.00} from XX/XX/XXXX. I would like to report the bank for committing fraud and for lie to me. 
Please let me know if you need any information from me.
Consumer complaint received 2022-10-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXXXXXX XXXX : {$990.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$760.00}.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NJ)

I am with mountain America credit union more then 15 years, I pay on time, many loans, they provide when they are small credit union, we got all help, after I lost my job 2022 XXXX and I purchased home hard to pay my l car loan, signature loan {$600.00} XXXX ask them reduce my monthly payment, I am ok with 15 % interest rate, loan insurance {$60.00} 2 loans, even I am refuse to pay, force me to pay, late extension fee XXXX dollars, even I explained many time my situation, even make member, no courtesy or help, late fee they charge XXXX dollars it is not over drop fee, even reject service only they need money,2 years ago I moved XXXX XXXX they don't have any location, that time I use my local credit union XXXX XXXX they charge only {$15.00}, I get help for make transaction but my bad luck they step out, all small credit unions I work hard I am XXXX XXXX, I never drink, XXXX XXXX  person I am XXXX XXXX XXXX XXXX XXXX  XXXX my wife in bad health condition I am looking forward your help and support
Consumer complaint received 2022-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate and consistent on my credit report. 

Experian stated that the account below was properly investigated and that it will remain on my credit report. The account was verified to be accurate. How is that possible when the date of last activity is inconsistent with all 3 bureau. This account is grounds for an immediate removal from my credit report. As far as I'm concerned there was no proper investigation completed. 

XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

1-  I made a {$1000.00} payment on XXXX and told the rep do to my XXXX  this payment is for XXXX and XXXX So XXXX comes citi keep hurass me by constantly Collings me I call back They failed to apply the {$1000.00} payment for XXXX Charged me late fee Made my account as delinquent Why Citi is a crock cheat fraud ripoff bank I will fight you and wont let you getaway Wake up 45 is gone Ripoff errs is over
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Vehicle traded in on XXXX XX/XX/2022. Payment was due on XXXX XX/XX/2022. Spoke with 2 company representatives and informed them that the car had been traded in and they should direct all communication toward the dealership, the following is list of dates, times and numbers that they have used to request payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Experian XXXX And XXXX has put an Auto Account with out my consent. The Company name is XXXX XXXX XXXX XXXX. Account # XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I May presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-06-10
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC (NY)

Last year XX/XX/year> - I started with National Debt Consolidation. They fauled my Credit Scores. So now I have low Credit Scores. They seemed good at 1st. Very misleading. So now I have to fix my own Credit Problems. They even had my Credit Cards closed out. Which is Ridiculous & Upsetting to me. This Company shouldn't be in business. They are at fault. They need to fix this. 
Thank you.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.
Consumer complaint received 2024-03-08
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NJ)

I can not log onto Aidvantage website. I dont know much information regarding my loan balance or the switch from my previous loan service provider XXXX XXXX I have not received a call and only received an email from Aidvantage welcoming me to Aidvantage. I am not sure whats going on with my student loans. Not knowing any details about this and not being able to log on is a huge issue.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (AL)

I went to the hospital in XXXX and received 3 different bills as expected. I had paid all the bills and was making payments on 1. I made the payments as required and when it was all done I received a refund of XXXX for over payment. In XXXX this account was filed on my credit report, to which I filed a dispute, proved my payments, and it was removed. This same account is now back on my credit report from a different collection agency. On XX/XX/XXXX I received a phone call from Elevate recoveries LLC saying I owed XXXX, I said that can not be true and I have confirmation numbers of payments. They said confirmation numbers do not help them because it was not their numbers. They can not give me any information that I ask and have no idea who what when or where, they just know I must pay them. I said I would like a copy of everything they had and to send it to my new address. She said she would not do that and that she could send me a statement but with no payments or anything accounted for. Within 15 days they put it on my credit report without sending me anything. I called them was put on hold and no one ever picked up.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I submitted a one-time payment instruction to Mohela requesting that a payment in the amount of {$500.00}, Confirmation # XXXX, Payment Effective Date XXXX/XXXX/XXXX, be reapplied to Loan # 2 DL Consolidation Unsubsidized. To be clear, this process is necessary because Mohela does not allow borrowers to target a loan when making payments ( i.e. make a payment to a specific loan ). 
I followed the directions per Mohela 's website : " Targeting a payment to the subsidized or unsubsidized portion of the loan is not available online. You can submit one-time payment instructions, standing future payment instructions, or you can contact us at XXXX. '' I sent messages to Mohela on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and XX/XX/XXXX. Each message was met with a nonsensical answer. For example on XX/XX/XXXX MOHELA 's Response : " Thank you for contacting MOHELA, We apologize for any confusion and inconvenience that may have been caused. Our records indicate that your request to reapply your {$500.00} payment to loan # 1 has been completed and approved on XX/XX/XXXX. '' This response cites XX/XX/XXXX which PREDATES the {$500.00} payment which was made on XX/XX/XXXX, and I requested to apply the payment to LOAN # 2, NOT loan # 1. To date, XX/XX/XXXX, the XX/XX/XXXX payment has NOT be reapplied to XXXX XXXX. 

I want the payment correctly apply to the correct loan!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (DC)

In XXXX, my XXXX XXXX  revolving debt was transferred to collections and then sold to Transworld, LLC collection agency. I had never received a letter from Transworld regarding this debt. In XXXX, Transworld started intercepting my federal income tax check and have been ever since XXXX ( about XXXX ). The original amount of the debt was a little over XXXX XXXX dollars. I contacted Transworld several times over the last 2 years with the last contact in XXXX via letter to informed them about the illegal collection through the tax off-set program, and demanded that they stop the collection activity through off-set. They claim that they are collecting on behalf of the government ( XXXX ), however when I contacted the XXXX and XXXX XXXX XXXX ( XXXX ) and XXXX XXXX directly, they indicate that I do not own a debt.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (SC)

This was my first time purchasing a western union money. The post office was closed. So I bought two money orders. My rent and my daughter rent. XX/XX/XXXX I put me and my daughter rent money in the same white secured envelope and dropped it in the drop box at heron crossing apartment office in XXXX South Carolina. XX/XX/XXXX I received a call about my rent money. I told the manager I put both my daughter and mine money orders in the drop box. She claimed she didnt see. Well we had to pay western union to investigate what happened to our money orders. They sent us a copy of the endorsement money. Someone stolen the money orders from the office. {$320.00} each. I tried everything. I wasnt working but my rent got paid. Unfortunately I lost apartment XX/XX/XXXX. I tried to file papers through the court. I turned in my hardship form /appeal forms to the court I got evicted through the XXXX XXXX XXXX. How can we get compensation. My daughter is on XXXX and shes currently still at her apartment