davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (GA)

I received my move out statement from my landlord. We disagreed and i disputed the charges within a week. XXXX called and i let them know Ive sent a dispute and waiting for a response. No response from the landlord so i took initiative to call XXXX for a follow up. XXXX XXXX was not in office at time so i left a voicemail stating my concern and requesting a call back ASAP. No response from the landlord proving the debt or countering my dispute. No response for XXXX after i made efforts to resolve this matter. My credit has been terribly damaged and XXXX keep sending letters in the mail threatening to take legal action/garnish wages but cant do their due diligence. I havent even made a payment plan with XXXX. Both company and landlord has refused to communicate and have ignored my disputes. I want this removed from my credit immediately as i havent received proof or response to my disputes.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act REGIONXXXX  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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 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.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (FL)

In accordance with the Fair Credit Reporting act AFFIRM INC 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 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.
Consumer complaint received 2022-12-19
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. (MD)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act CITICARDS CBNA 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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.
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

In 2020 I was in and out of XXXX XXXX XXXX XXXX and my ex girlfriend stole my rv and all my credit cards and maxed them out after I had just paid them all off.
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

I 'm trying to ge t a cash advance trough   XXXX   XXXX   and td bank refuses to send an update on my account in a timely matter they are costing me money! This bank is one of the most unhelpful bank I have ever had all they care about is making money and   they do n't care about the customer!
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I bought some furniture at XXXX XXXX store, when providing the credit, they gave me a minimum payment to pay of the balance without paying interest. What they did was not providing a payment that will finish paying the balance within the time period so they can charge interest. But that is not all, on a {$420.00} balance they've charged {$230.00} interest so it's not on balance due. It's on the principal amount and now we as consumer have to pay interest on interest as well. These promotions are misleading and deceptive, I would have found this issue sooner, but I went through a major XXXX and just saw this today. 
I called to see if I can pay the balance before that {$230.00} and was told I can't..
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC (CT)

There is an ongoing issue regarding inability to transfer funds from external account linked to XXXX XXXX account number XXXX, issued by XXXX XXXX XXXX The external account ends in XXXX, a XXXX account. I received a secure message stating the issue is resolved, however, that does not appear to be the case, attempts were made to transfer funds and same error message received, " unable to transfer funds at this time ''. I've spoke with reps in executive escalations prior, issue remains unresolved.. There appears to be a block or restriction preventing external transfers.
Consumer complaint received 2022-05-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sarma (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Sarma - mortgage dep 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 2022-05-28
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. (TX)

On XX/XX/2018 I was a victim of identity theft and someone opened an account with The XXXX XXXX for {$1000.00} and with all the late fees it grew to {$1900.00}. I have sent XXXX disputes to all XXXX credit bureaus, but so far they have refused to remove the account. 
The account has been sold to a company called XXXX XXXX XXXX or XXXX and that is who is falsely reporting on my social security number.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

I have a student loan with Navient and my company started to make extra payment as a benefit with my employment. I am still making my regular payment every month but the extra payment that my company makes gets applied to the next available payment instead to principal only. The payment comes with instruction to apply to principal only but Navient does not do this. I called and they said it is not there policy to do that when a payment comes in. I believe they should apply as directed so that my loan gets paid off faster.     Thanks.
Consumer complaint received 2022-05-05
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 XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-07
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: CITIBANK, N.A. (WI)

I ordered a Quad Salt Cabin with Halogenerator and Salt Wall Kit https : XX/XX/XXXX and a wholesale premier starter kit salt lamp wholesale https : XX/XX/XXXX from XXXX XX/XX/XXXX at XX/XX/XXXX XXXX XXXX XX/XX/2020, for {$7000.00}. I received part of the order on XX/XX/XXXX. To start, XXXX XXXX sent a different item than ordered. What he did send out was non-operational, nor did it have all the items to make it a complete unit. The salt lamp kit never was shipped. I contacted XXXX XXXX by phone and email to let him know I was sent the wrong items. He was unwilling to make this right so I told him I am entering a dispute with the credit card company hoping he would resolve this. He refused to do so. I asked many times to return said items. He refused. I entered a dispute. XXXX XXXX then changed his website to accommodate his story. ( I have the before and after ) Initially, the credit card company sided with me and refunded the money. They reversed the charges and said I needed to send the items back. I spent {$420.00} to ship it back. They refunded my money at that time. XXXX XXXX refused the return shipment so it sat at the shipping company. I explained to XXXX XXXX it was {$420.00} to return ship and now the shipping company is charging {$17.00} a day for storage. He said he will not pay any of it. Meanwhile, he told the credit card company I never initiated a return. He also claimed our business was closed due to COVID-19 as we are a massage facility and we had been in financial ruins. This was furthest from the truth. We do not have any massage therapists or any therapy of the sorts. We have a practitioner 's office and a health food/ supplement store of which both are essential and have NEVER closed due to COVID-19. The other issue is we paid this item off BEFORE we even received it! According to the shipping company, XXXX XXXX has accepted the return of the shipment. The credit card company has now charged me the {$7000.00} and {$760.00} interest of which some of the interest they have removed and then added back. The other issue I have with the credit card company is I sent 60+ pages of information for the rebuttal of the dispute to the P.O. Box they told me to send the information to and I verified it was received by USPS tracking but when I called to see if any progress was being made they stated it was received but misplaced. So I was told to fax the information. I then faxed in over 60 pages on 2 faxes and I waited to hear from them. I called to see where the case was at and they said they had received the information and a dispute specialist will look at the documents. In the meantime, they closed out the dispute. They never looked at the information. They later sent another letter they can not respond to additional correspondence or phone calls. I have 60+ pages of documentation.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is an error on my credit report from XXXX XXXX Credit Card. The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX
Consumer complaint received 2021-07-25
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. (GA)

XX/XX/2021, I requested XXXX XXXX, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and Experian by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
Consumer complaint received 2023-02-16
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. (VA)

The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a XXXX person and veteran. I will also file a complaint with TIGTA and the FTC.
Consumer complaint received 2022-05-28
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. (TX)

On XX/XX/2018 I was a victim of identity theft and someone opened an account with The XXXX XXXX for {$1000.00} and with all the late fees it grew to {$1900.00}. I have sent 3 disputes to all 3 credit bureaus, but so far they have refused to remove the account. 
The account has been sold to a company called XXXX XXXX XXXX or XXXX and that is who is falsely reporting on my social security number.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act CAP1/XXXX  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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act CAPITAL ONE 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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.
Consumer complaint received 2019-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (KY)

I am sorry but there are several accounts on my credit report that need to be removed and you all kept them on there they are paid off
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, 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 an account without my written instructions. 15 U.S.C 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. In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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. Please note there is not actual account number listed for this account. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 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.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Various phone numbers recognized as Portfolio Recovery on called ID continues to call my minor childs phone number XXXX. I asked them to stop calling. Ive blocked their various phone numbers, but they create new numbers at intervals to seemingly override the call block. I pulled their address from XXXX, although they have numerous addresses listed. 

XXXX XXXX XXXX, XXXX, VA