davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-02-16
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. (NY)

TRANSUNION IS REPORTING XXXXT MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.
Consumer complaint received 2022-02-15
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

l was taken advantage of due to malpractice while several laws were been broken under the FCRA law by company. This is causing financial injure, deformation of character. l can not get a job and can not even apply for credit card. l can not qualify for SDA loan as well. This has put me in a tight financial situation, making it hard for me to afford some basic staffs.

l want all negative items be removed or deleted from my credit because you are in direct violation of FCRA LAWS. 
I demand that all these negative items be removed from my credit.
Consumer complaint received 2019-12-11
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: Bread Financial Holdings, Inc. (MA)

I filed a claim with Ultamate Rewards Mastercard : Comenity Bank on XX/XX/2019 for {$600.00} against XXXX  XXXX XXXX for not delivering services as agreed that I had to pay-in-full. 

1 ) I could not speak with a Rep in the Claims Dept. I had to speak to the Cust Care Dept who had not one clue as to what was going on as they are NOT the claims department. 
2 ) I had to submit ALL my correspondence via the online messaging center and I sent them every piece of proof I had that XXXX  was in breach of her written agreement to have made 90-180 posts in which she only did 13 and  caused me to miss my book promotion deadline. 
3 ) Comenity Reps sent me an email the first time saying they did not have enough information and closed the claim. I had to call them back and speak with a Customer Care Rep who agreed to reopen and had me to resend my emails that I had already sent prior. 
4 ) I received another email saying they considered the matter closed as the receipt stated all services are final and there are no refunds. How can that be legal when XXXX did NOT deliver as she promised, as per our agreement when she demanded I pay her in full. 
5 ) The claim had to get re-opened as a Supervisor looked into it after another supervisor refused to listen to me and told me it was not their problem and I needed to take it up with XXXX  as I paid the charge and that meant I agreed to her terms and I had not proven my case. 
6 ) Comenity still agreed with the merchant and reversed the temporary credit saying her services are final and the charge is valid per the terms. What terms? She said she would post 2-4 times per week for 45 days, including promoting my book and graphics in which she did not. The Cust Care Rep would not transfer me to the claims department as he said there is no way to do so. Comenity never even gave me the chance to provide a rebuttal and closed the claim without even granting me the courtesy to clarify anything. 
7 ) Not being able to speak with an actual claims representative and the vague email replies are not convenient and very frustrating.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (AL)

Prior to XX/XX/XXXX I was told that I would be given funds sent to my Navy Federal Account from a friend. However, the friend was scamming me throughout the entire process. She had me move the money around from my account to her account. This made it look as though I was the scammer. Once, I figured it out, she already had a claim out against me as though I was the scammer. The claim was in her favor and I now owe Navy Federal 5,000 dollars. I had great relation with this bank. I have two credit cards that I intend to be consistent with. However, all accounts are now froze.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

For a couple of months, I have been unable to log into my PayPal account due to this company now demanding that I provide them a mobile phone number. This is something that is not possible, and therefore I am blocked from using the account altogether. My lass successful login attempt was on XX/XX/XXXX. 

All attempts to contact them through the website require a login, and therefore are not usable for any kind of communication. On XX/XX/XXXX, I sent a message to their email address " XXXX '' demanding that they either fix my account so that it does not require a phone number, or close it altogether. This demand was ignored. Here is a redacted log entry from this attempt : XX/XX/XXXX XXXX <redacted> XXXX [ XXXX ] : XXXX : XXXX, XXXX [ XXXX ] XXXX, XXXX, XXXX, XXXX, status=sent ( XXXX ok : Message XXXX accepted ) To this day, I am unable to use this account, not even to request closure or view statements.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

American Express card statement shows only the minimum amount payment on the payment stub. Nowhere on the stub does the full amount appear. This can cause clients to pay less than the full amount and incur interest accrued till the next billing period. This is not a practice of other credit card companies and appears to be an intensional or unintentional act that serves American Express and can financially mislead their customers.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (CA)

I am submitting a complaint against XXXX in regards to my old private students loans I used to have through XXXX from XXXX XXXX. My students loans are currently own by XXXX. They were transferred to FedLOans in XXXX. I am submitting this complaint because XXXX never provided me with information about other types of loan repayment/forgiveness such as the Income Driven Plans or the Public Loan Forgiveness . Instead, the only option I was given by XXXX was to put my loans in deferment. Currently there is a lawsuit against XXXX for using predatory strategies regarding loan repayment. Millions of students, including myself, were not provided with other plans for loan repayment. I worked for 6 years for a non profit organization, yet because my loans were on deferment, I never received credit for my 6 years of work as a public health research analyst. I have contacted XXXX about this two times already. I was told that because my loans are now own by XXXX, they can not provide me any information on this since I am not part of XXXX. I called XXXX, but I was told to call XXXX. I contacted the US Department of Education about this and I was told to submit a claim through here. 
Thank you
Consumer complaint received 2022-02-15
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: MONEY SOURCE, INC., THE (PA)

XXXX / 120 days late in XX/XX/2020, as well as 90 days in May 2020, 30 days in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (IL)

My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I purchased a vehicle from XXXX in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business XXXX in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX will just do XXXX hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Consumer complaint received 2022-02-15
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Closure date is XX/XX/2018. Reported for overdrafts, charge off amount is {$650.00} closure unpaid. Im not sure why this account was opened or why it was overdrafted but it wasnt me, I didnt open an account with this bank.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (TX)

I have an unrecognized inquiry on my Experian credit report from XXXX XXXX, dated XX/XX/2020. This inquiry does not appear on any of my other inquiries. I have written to XXXX XXXX multiple times to request that it either be validated or removed. XXXX has repeatedly responded to my inquiries by claiming that it can not find any record of said hard inquiry. They continue to request information that they were already provided with. I can not continue to waste my postage and time in responding to attempts to stonewall my inquiry. 

If XXXXXXXX XXXX can not verify that this inquiry is valid, they must remove it pursuant to the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of some of my recent correspondence to XXXX XXXX for reference.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/2022 I paid my auto loan with XXXX XXXX at XXXX XXXX XXXX. On XXXX  XX/XX/2022 I received alerts that my account was reported as XXXX days past due to credit bureaus Equifax and XXXX. Upon calling XXXX, they stated that they reported the payments as late because the payment was made at XXXX XXXX ( not stated if it was XXXX or XXXX ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). XXXX is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my XXXX day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

My mortgage company changed my account number and bill address. I followed their instructions and changed the account number and bill address. 5 weeks later I received a missed payment letter because the new account number apparently didn't link to my account. The missed payment notification had a different account number on it than either the new account number or the old account number. My bank verified that the check had been cashed before the due date by the mortgage company. I tried to access my account on-line but couldn't because the account numbers have been changed. The mortgage company is refusing to cooperate with either my bank or I in our attempts to prove payment, instead insisting on copies of the cashed check, which don't exist because it was an EFT. The missed due date was XX/XX/XXXX, the check was cashed on XX/XX/XXXX, the next check sent to the same address with the same account number is due today. I believe the Mortgage Company is dragging this out to get more penalty fees.
Consumer complaint received 2016-02-05
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Not Approved for a home equity loan due to bankruptcy score verbally by First Citizens Bank. Please provide validation that this bank performs score performance on a regular basis to ensure its accuracy and predictability. I was recently approved by this same bank for a Equity Line using the bankruptcy score. 
I provided First Citizens with recent payoff of a {$280000.00} loan from XXXX. They can not determine its negative impact on bankruptcy score. XXXX contacted First Citizens Directly to inform of the reporting error.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted XXXX XXXXXXXX XXXX to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (FL)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!