davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
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)

XX/XX/2019 Customer notes credit scores have significantly declined. 
XX/XX/2019 Customer pulls Experian report and finds inaccurate info XX/XX/2019 Customer contacts creditor to complain about inaccurate info XX/XX/2019 Creditor ( bank ) writes back to assure customer the accurate info was provided. 
Inaccurate info : Mortgage loan specified as only " installment. '' Term 30 specified as MONTHS. Bank advises Experian has only 2 digits for " term '' and that 30 is understood to be years, not months, and that it WAS reported as mortgage. 
XX/XX/2019 Customer calls Experian to complain, after finding web dispute facility broken for days. Experian advises dispute is only way to request correction. Customer tries in vain to explain that creditor provided correct info. Experian says we will enter the dispute and take it up with creditor. 
XX/XX/2019 Experian reports " dispute '' resolved and nothing changed. Customer confirms that Experian has FAILED and REFUSED to correct their inaccurate information. They ignore both creditor and customer and continue to leave info uncorrected.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: ENCORE CAPITAL GROUP INC. (MD)

I opened an account in about XXXX with XXXX with a balance of {$500.00}. I wanted to close this account because the interest rate was extremely high, so I called to let them know to close it. Here it is XXXX, I received a summons for court claiming I owe {$830.00}. I am already overwhelming with bills everywhere. This has been such a hassle. XXXX has sold this debt to Midland credit company. This company is only willing to settle for {$710.00}.
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (NY)

Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX. 

Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ). 

A few days prior to the lease turn-in date, the car was impounded by the Police. 

I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.

The vehicle was recovered by XXXX and they are in possession of the Car now. 

The pending court case got dismissed and XXXX ( VA ) County is liable for damages. 

After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts. 

The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee. 

This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

I found out XX/XX/XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my XXXX  or Equifax report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but Equifax and XXXX  refuses to update my file as of XX/XX/XXXX.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2019-02-01
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. (GA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

On XX/XX/XXXX a payment amount was made to principal without instructions being provided to do so. Then for the subsequent months the loan servicing provider charged me late fees. I talked to the customer service rep ( employee id XXXX  ) on XX/XX/XXXX at XXXX XXXX. She informed me that the firm will not reimburse me the lat fee money. In fact that this is something programmed into their systems
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC. (CA)

I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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 instructionsCredit inquiries on your report that you don't recognize Credit inquiries are reporting on my Credit Report and i don't recognize : - XXXX XX/XX/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 2022-08-28
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. (FL)

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX, I used the Bank of America app to make a transfer of funds from my checking account to my credit card. The balance on the card was XXXX. I typed in XXXX which was my desired amount to pay. When I reviewed the scheduled payment amount, I saw that the app took XXXX out of my account instead of XXXX. After checking to see if there was an edit or cancel option ( which there was not ) I immediately called Bank of America and told the person on the telephone line about the mistake. She told me I would have to wait until the next day to correct it as the item was processing. I called the next morning and had great difficulty getting through to a live person. I was disconnected several times because the issue I was calling about was not on any of the menu choices. When I finally got through I made a complaint about the app not having the ability to cancel the transaction, as well as requesting a refund for the overcharge ( a simple general ledger correction. ) The call took XXXX minutes, and I was told that the refund would take XXXX days. 

I checked my account and the refund was not issued. On the XXXX day I called again ( XX/XX/XXXX ). This time I was on the phone for XXXX minutes. I was told by XXXX that when she called the credit card services they only found the record from XXXX. The agent told me that a mistake was made and they refunded me an overcharge of XXXX, so a refund of XXXX was requested. I asked for the call to be escalated and spoke with XXXX who identified herself as a supervisor. She was not helpful except to inform me that there was an investigation into the matter and it would take an additional XXXX days to resolve. I said I was unhappy with all of this. I had requested the XXXX dollars since XXXX and if the amount wasnt refunded I would file a complaint stating that Bank of America would not give me my money that I requested. Here we are on XX/XX/2022. There is nothing posted to my checking account. There is no consideration for how this is affecting the management of my funds. Bank of America now has had my money interest-free since XX/XX/XXXX because of a glitch in their software.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

My company is in a XXXX XXXX case with Wellsfargo Banking institution. 

Attached is the communication with XXXX and it representation Wellsfargo. 

I'm requesting Wellsfargo respond to my XXXX provision with the XXXX. 

At this time Wellsfargo refused correspondence with this matter.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

My car is a total loss. My insurance ( XXXX ) is not able to issue the payment to me because the title of my car was never transferred to the financing company ( Ally ). I purchased a new vehicle from XXXX XXXX months ago, and the title was never transferred to Ally. I have been contacting both companies to solve the problem, XXXX and Ally, and none of them are taking responsibility for this matter. I have contacted XXXX and they have confirmed that the title of the car is under XXXX Lease name. I have been paying/financing the car through Ally for XXXX months and they seemed to never have the title of the car.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

After having this account for XXXX years in good standing I recently submitted a payment that paid off the entire {$9000.00} balance. The very next notice I get from Citi is that theyve reduced my credit limit by XXXX XXXX from XXXX XXXXXXXX {$2000.00} which negatively impacts my credit by artificially increasing my overall credit utilization. My risk profile did not change and the only activity I took was paying off the account. I took actions that reduce Citibanks risk they then punitively and negatively impact my financial health. The rationale given in the change letter was that my balances on my Citibank accounts were too high in proportion to the credit limit. At the time I had few XXXX dollars on the XXXX XXXX and a {$400.00} out of {$1000.00} available credit on a XXXX XXXX store account managed by Citi, so neither XXXX of those statements is true or accurate. I called Citibank and their only remedy was to push through a request for credit limit increase which will again have a negative impact on my credit score. They can set whatever limits they wish to run their business but this was an active punitive measure that did not occur until I paid off the account.
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (NY)

Zwicker & Associates Attorney at Law XXXX XXXX, XXXXXXXX XXXX XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in 2006. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in 2006 on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 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.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (NV)

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

Jefferson Capital is constantly calling me and sending me Letters about this Debt.

Jefferson Capital Systems llc. 
JCS Reference # XXXX Debt Description : XXXX XXXX Amount of Debt:XXXX I have over the Phone as well as in Writing Told Jefferson Capital that this is not my Debt. I have repeatedly told them they need to Verify this Debt. They need to send me Documentation I personally Signed with Copies of my ID where I opened this account.

I have told them this is the law under the Fair Credit Reporting Act. However they never respond other than to keep calling and keep sending me Letters.

So I told them please do not contact me about the Matter anymore as I am not going to pay it. As they are able to show any Proof that this account is mine.. Still no Response on the matter just more Phone calls and more letters.

I think they think they can Bully People into Paying these False claims they have. Also this is making it really hard being on my Credit report. It is causing me undue XXXX  by keeping my Credit Score Lower than it should be.

So What I am asking is that since they have Failed after Numerous attempts requested to show me the Proof of the account. As well they have Failed to Stop Contacting me as I requested. Which is also FCRA Rules.

They need to Remove this Close and Remove this account from my Credit Report Immediately.
Consumer complaint received 2022-08-16
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)

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

Equifax Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion violated 15 usc 1681 A section 1 & 2 By furnishing and reporting Accounts without my consent I have a right to privacy I want the following accounts deleted now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX
Consumer complaint received 2022-08-16
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)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i do not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Bread Financial Holdings, Inc. (MI)

I simply want to have my Certificate of Deposit monthly Interest payments sent to the account I used to deposit the funds for the XXXX. There is no option to set that up when opening the XXXX. There is no option to do that online. I have sent messages through the app, but receive no response ( for as long as XXXX days to date ) and when contacting your customer service, I am on hold for XXXX minutes, then disconnected. You have my money, you need to also perform the basic tasks requested.
Consumer complaint received 2022-08-16
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts be removed because according to 15 USC 1681 I have the right to privacy. I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX bankruptcy - Public record XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All inquiries listed on my account
Consumer complaint received 2019-09-17
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. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-08-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX Credit Bureau Portfolio Recovery Associates who submitted false debt information to the bureau as a XXXX factoring company on XX/XX/2017. XXXX has never performed a legitimate investigation since XXXX which has wrecked havoc against my attempt to obtain mortgage refinancing. I've requested from both entities for written signed documentation whereas I'm associated with the reported debt which I'm yet to received since XXXX. I've only seen the false debt which is being reported with a false payment history being associated with my SSN and DOB. I'm requesting that this false information be deleted from my credit file asap! 
XXXX XXXX