davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: NRA Group, LLC (MD)

I am distressed that you have included NTL RECOVERY AGENCY information in my credit profile on XX/XX/XXXX & XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2019 Toyota reported a late payment which was not 30 days late. I had a long, good standing lease with them and when the pandemic hit, we paid the loan XXXX week late after we called and asked them if we could. They agreed and said they would not report a late payment. They however did. 

This is the only late payment on my credit file for the past XXXX XXXX
Consumer complaint received 2021-12-10
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021 I paid {$850.00} to a company called XXXX XXXX XXXX aka XXXX  XXXX  XXXX. They were supposed to produce a website for me and failed to do so. I requested a full refund in which I never received. I have called the company multiple times with no return call back. Terrible service and I feel scammed.
Consumer complaint received 2021-12-10
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

The cfpb did not help me as the consumer with the previous case only closed my case. I will be filling a complaint for cfpb not helping which is your job. 
This is a contuning problem. Lexis nexis continues to report my personal information that they fraudulently acquired for finical gain. Which is idendty theft. Thsi company infringed upon my privacy by collecting my personal information from XXXX to sell it to other reporting agencies. USC 1681 ( a ) ( 4 ). This company is obtaning information under false pretenses. The information they are digging up and reselling is not what they are supposed to use XXXX  for. Pursuant to 15 USC 1681q Lexis Nexis is giving my personal information away non authorized disclosure to multiple other companies which is a violation. 15 USC 1681r. 620FCRA I am holding this company civil liable for willful noncompliance 15 USC 1681n. 616-FCRA in the event of a knowing violation, which constitutes a pattern or practice of violation of this title, the federal trade commission may commence a civil action to recover a civil penalty in a district court of the United States aganist any person that violates this title. In such action, such person shall be liable for a civil penality of not more than {$2500.00} per violation.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SIMMONS FIRST NATIONAL CORPORATION (FL)

I have a issue with Simmons Bank credit card, I ordered a Priming pot from XXXX on XX/XX/2021 for {$99.00}, in some odd way a company in New York named XXXX  XXXX XXXX XXXX XXXX XXXX XXXX got involved in the transaction with XXXX. XXXX sent me an email invoice and XXXX  XXXX XXXX sent me an email invoice. I received the pond pump Priming pot but I did not like it, so I requested a refund through XXXX  XXXX 'XXXX, we exchanged a couple of emails about returning the Priming pot, but I remembered that I purchased it through XXXX, I requested a refund through XXXX and they gave me a return slip, and later I received my refund for {$99.00}. I bought a different priming pot from a XXXX, XX/XX/2021, for {$120.00}. When, I received my Simmons billing statement I was charged for {$94.00} by XXXX XXXX. With explaining my dispute with a Simmons agent he got confused, but I told him that I wanted to dispute the charge. Simmons, supposedly, put in the dispute and ruled in my favor, yet on this date XX/XX/2021, I noticed that I have a charge, again, of {$94.00}, from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, after receiving a different card and number from Simmons Bank credit card. XXXX XXXX sent me an email, during my first inquiry about the charge, explaining that they had nothing to do with the first charge. Simmons sent me another card, about two weeks ago, but I am being charged again for something that I did not purchase on my new card number for the same amount of {$94.00}. Customer service for Simmons Bank credit card, claims that the charge came from me. I have put a freeze on the account. I am shocked that, Simmons found that I did not make the first charge for {$94.00} but now two months later they are saying that I am billed, and have to pay them for a purchase that I did not make.
Consumer complaint received 2021-12-10
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. (TN)

Account Name : XXXX Account Number : XXXX Balance : {$4900.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXXXXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, Equifax, XXXX, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Consumer complaint received 2021-12-10
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. (TN)

Account Name : XXXX  Account Number : XXXX Balance : {$4900.00} This is a formal complaint against XXXX, Experian, and XXXX located in XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXXXXXX XXXX  XXXX PA XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX 

I am not questioning whether I owe this debt or not, I am challenging the consistencies of the reporting of this account to the credit bureaus. I am aware that under FCRA, the credit reporting agencies must report any account 100 % accurate and complete. I checked my credit report again today and I do not see any changes or corrections at all that the credit bureaus are supposed to be doing in order ensure the maximum compliance and accuracy of what they are reporting. 

For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this for several months now, XXXX, Experian, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report.
Consumer complaint received 2021-12-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am distressed that you have included CAPITAL ONE BANK USA NA information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Consumer complaint received 2021-12-10
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: TRANSWORLD SYSTEMS INC (MD)

I am distressed that you have included TRANSWORLD SYSTEMS information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you,
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NC)

I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.
Consumer complaint received 2021-12-10
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. (AR)

Ive been sending EXPERIAN letters to remove the inaccurate and unverifiable accounts from my reports due to identity theft from a few years back. 

i asked the creditors and experian to send me the proof of alleged debt. Ive been asking every month this year since XXXX, and til this day they are still silence about the accounts i am unaware of, so they continue to report this inaccurate information, causing severe damage to my character. i will have attachments below. 

Experian never responds to my disputes, i want you guys to stop them them from FALSIFYING these negative accounts on my credit report monthly. 

They failed to validate the alleged paid debt that i do not have any knowledge of. so therefore they need to remove it, or i will be be suing them for negligent compliance, furnishing deceptive forms, and a few other laws they continue to violate.
Consumer complaint received 2019-08-06
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. (FL)

I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AK)

I had posted at least the minimum payment due to my card for the statements between XXXX XX/XX/2022 and XXXX XX/XX/2022. I made the payments via the automated telephone system using my saved bank account information. Indigo did not properly post my payments to my account, charged me late fees, and reported me delinquent to the credit bureaus.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Finance Company, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

As a follow up to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021, the bank didnt refund any of my overpayments ; in fact, during the investigation I was still receiving interest charges, and when I followed up with Bank of America I was advised that based on their review I should never have been credited those fees and would not be receiving future credits. This veiled threat forced me to pay back {$720.00} which according to their records was the difference between the original {$750.00} overpayments less the credits to my account since this posting mistake. 

To recap the previous issue, which can be reviewed in detail in the original complaint ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 ) : I overpaid my credit card right before requesting a balance transfer. The bank advised me that because the overpayment of {$570.00} could not be applied to this transaction, the only option would be to get that back. No discussion happened about the impact of the credit as a purchase. Then in XXXX I was out of the country for my grandfathers funeral and couldnt recall if I had paid my credit card so I sent a payment of an additional {$180.00} because I couldnt remember scheduling the XXXX payment. The bank refused to let me use that towards XXXX bill and offered instead, amidst the interest fees debacle, to refund the payment but ensure it was not treated as a purchaseand they not only treated it as a purchase, they incorrectly refunded the amount to hold back interest charges.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.