davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Stephen Einstein & Associates, P.C. (NY)

A letter was generated to my employer from Stephen Einstein and Associates on XX/XX/XXXX. The letter was regarding a debt from XXXX, where a judgement was made in XXXX 's favor as of XX/XX/XXXX. However, the debt that this " collection agency '' is attempting to collect has exceeded the 6 year statute of limitations in which you can legally collect on a debt. The letter my employer received stated that it was a subpoena, however this document was not signed by a County Clerk, nor was it delivered by a Law or Court enforcement employee, it was not sent certified mail either. The Einstein agency is attempting to collect on a total of almost $ 20K in manner that is not lawful. The letter advises you to visit their website for further assistance, yet their website www.stepheneinstein.com is n't available ... while I 'm aware that Sunday is n't a legal day to collect on a debt, the fact that their website is n't available makes this matter that much more questionable.
It 's my understanding that this Stephen Einstein and Associates took over a defunct XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which had a class action lawsuit against them for illegal collection practices ...
Consumer complaint received 2015-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NY)

They sent me a bill for excess miles on a lease. According to my agreement of the new lease with XXXX, they were supposed to not charge me for the excess miles. The leasing company was taking care of this. Unfortunately, XXXX never forgave the excess miles charge and I paid it, as I did n't want it on my credit report. Apparently, it went to my credit report anyways.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (NV)

on XX/XX/XXXX I signed a rental agreement with the company XXXX XXXX, the next day the company gave the keys to another apartment completely different from the one I had agreed upon. For this reason, I opened a small claim process against the company that was ordered to reimburse me on XX/XX/XXXX. Acting in bad faith, the company included my data as a debt and has been harming my credit history for two years, I would like the company to correct your mistake and repair the damage caused by your own mistake
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a whole bunch of old Addresses on my credit report from Experian that they did not want to take off. I have never lived at the addresses. The addresses do not show on XXXX XXXX or XXXX. I have taken action against Experian by trying to file disputes but they were not having it
Consumer complaint received 2022-05-13
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. (CA)

XXXX, XXXX, and Equifax are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. 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. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, Equifax did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX first, I payed them on time every month and somehow wasnt recorded then suddenly a lot of my credit was paid? 

Wells Fargo, I keep having charges that I do not recognize and they keep overdrafting me with a {$35.00} fee at least about 4 times a month. Overdraft is credit, I do not have credit with them.
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.
Consumer complaint received 2022-10-26
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. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-13
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. (CA)

XXXX, Transunion, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. 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. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Consumer complaint received 2022-05-13
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. (CT)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : Equifax : XXXX XXXX XXXX : {$180.00}
Consumer complaint received 2022-05-13
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. (CA)

Experian, XXXX, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. 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. 

I have attached documentation from XXXX Credit Report that shows Experian, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called PenFed and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms butt dialed this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXX 's receipt that was canceled because I caught it this people in New York were trying to buy XXXX dollars worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE XXXX incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report XXXX things so that's why I'm here thank you to your help in advance
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/year> XXXX PM To : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Re : [ XXXX ] CITI XXXX XXXX CREDIT CARD XXXX FOR XXXX XXXX Caution : This email originated from outside the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. 



XXXX XXXX, The checks for both Citi cards were mailed via XXXX for overnight delivery, they were in the same envelope. The check was listed for XXXX for an amount of {$6700.00}. The check listed for XXXX was for an amount of {$1900.00}. I made the checks using the statements you sent to me and printed them out and placed them in the envelope along with the checks. 





Thank you, XXXX XXXX XXXX | Branch Supervisor XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX
Consumer complaint received 2022-05-13
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. (NY)

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; XXXX  5. Credit Report ; Equifax
Consumer complaint received 2022-05-13
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)

Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that XXXX company is claiming to be owed is 7 months past the 3 year statute of limitations. As per the law pertaining to my state, this dated listed with XX/XX/XXXX date as seen in attachment, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company. As credit reporting agencies it is your responsibility to report information correctly for consumers as per FCRA ; 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES From Title 15COMMERCE AND TRADE CHAPTER 41CONSUMER CREDIT PROTECTION, I have previously disputed this debt and brought it to your attention. During your investigation it should have been brought to light the updated NY laws and how it could affect this particular debt that is dated XX/XX/XXXX, this is either gross negligence or misconduct, as a protected consumer I need some sort of timely resolution for this matter. 

Please see attached : 1. Reference of US Law 2. NY State ID 3. SSN document 4. Credit Report ; Transunion 5. Credit Report ; XXXX
Consumer complaint received 2019-07-16
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. (GA)

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-13
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. (NC)

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

XXXX is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, Experian, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX to put report information that must be removed due to the settlement. 

I want Experian, XXXX, and XXXX to BLOCK all XXXX accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans discharged, removed, and deleted from all of my credit reports. Transunion, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX  to put report information that must be removed due to the settlement. 

I want XXXX, TransUnion, and XXXX to BLOCK all XXXX  accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than XXXX hours after the investigation is complete. 


XXXX XXXX
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX  h

as 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 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Betterment LLC (FL)

Bettement had locked my account due to security concerns on XX/XX/2022. I was not able to withdraw money after that. They performed an investigation and decided to close my account on XX/XX/XXXX, telling me that a check had been mailed. I emailed Betterment on XX/XX/XXXX making sure that they sent it to the correct address, and they said they did. I followed up again on XX/XX/XXXX and XX/XX/XXXX and was told that they were " looking into it '' and they will notify me when they have an update. Today is XX/XX/XXXX and I still haven't received the money I had in my Betterment account.
Consumer complaint received 2015-12-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Northstar Location Services, LLC (OR)

Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.