davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Amsher Collection Services, Inc. (MD)

I never opened a XXXX XXXX account in XXXX. And the account I in XXXX was cancelled by me. Ive been had XXXX XXXX since
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/PPMC XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.
Consumer complaint received 2016-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have incorrect information in my credit which is setting me back from my mortgage loan approval. I have been going back and forth with companies to resolve the issues but I 've been told that the credit beaureau are reporting this information. I am unavailable to file a dispute because when I put in my info to dispute, it says can not process request. Please help us out!
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

These people are off their rocker -- Basically telling me that they closed my dispute claim because either A, they didn't receive any supporting documentation from me, or B, the documentation I sent them wasn't sufficient enough... Being my documentation is more than sufficient, I'm going to go with A. If it's B, they need to explain how what I sent them does not support my claim, because it clearly does. This is not the first time this has happened with this company regarding disputes. Seems as though they're either incompetent, illiterate, or just don't check their email. All I know is, I'm getting sick of the same old thing every time I file a dispute, and then I have to go through this. They seriously need to step it up or I will be filing a complaint against them with the New Jersey Department of Banking & Insurance...
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XXXX XXXX Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was discharged in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX and XX/XX/XXXX of the discharge.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

As of XX/XX/2020, I have sent monthly letters to XXXX XXXX XXXX  asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX XXXX XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (OR)

I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives. 

As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees. 

I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2021-04-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My father passed away in XX/XX/XXXX. He had 3 CD 's with Capitol One. I do not have the amounts as the accounts are to be split 4 ways. I emailed the requested Letter of Instruction along with a copy of my driver 's license on XX/XX/XXXX. As I had not received any funds as of XX/XX/XXXX and my siblings had, I attempted to call them to obtain a status and was told the Bank Estate Operations department did not have phones. I was instructed to email them which I did on XX/XX/XXXX. I emailed them again on XX/XX/XXXX and resent the requested documentation in the event they had not received it the first time. The only response I have received is an automated email stating they received the email. I have not received any other communication nor have I received any of the funds.
Consumer complaint received 2023-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MS)

My employer was sending payments into initially XXXX - then later Aidvantage took the money- cashed the checks and applied none of the {$44000.00} to my account- the money has gone missing. The loan was serviced by XXXX  Even though the checks were made out to XXXX, Aidvantage just signed the checks and cashed them. Stole the money and didnt apply it to my loans. 

Company response : " Our review confirms that the payments in question were all refunded to the remitter at the following address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX " However they never refunded the payments. XXXX XXXX XXXX XXXX XXXX received nothing and Aidvantage still has not provided any documentation regarding the refund. The only thing they provided was an unsigned spreadsheet without a letterhead and no contact information. 

Reference prior complaint XXXX
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

FILE A DISPUTE XXXX XXXX XXXX XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FILE A DISPUTE XXXX XXXX XXXX XXXX  XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are a few accounts on my credit report showing late payments that I don't believe I was ever truly late on! I disputed this with the bureaus on XX/XX/XXXX to try to remove these or even get clarification from the bureaus/creditors why they were reporting me late. I never received any communication from anyone so I attempted again on XX/XX/XXXX. Once again, still no responses or communications from anyone. So now I am filing this complaint because I do find it hard to believe that the bureaus wouldn't communicate with me in 4 months. This is hindering my future immensely!
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my DL and a utility bill as proof of my identity. The inquiries in question are as follows : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks Auto Financing XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX  XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Sales Financing XXXX XXXX XXXX : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-10-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I mailed off my challenge letters to validate debt owed and was not notified of incorrect information on my report. 

I mailed off on XX/XX/2022