davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (IN)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (TX)

I have sent many letters to Summit Account Resolution to ask for verification of the debt, and Summit sent a letter stating that the account was verified, with no proof of me owing them. They did send a itemized letter with an address that I never lived at. I also reached XXXX about this and they only letters I recieved from them was stating the account was verified, but also had no proof of verification. I sent XXXX   and Summit many letters over a course of a year to send me proof of verification, not once have I ever gotten proper verification.
Consumer complaint received 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (KY)

Opend loan XX/XX/XXXX, lost my job after a year of payments. Auto was repo 'd. Never received any letters from Prestige Financial. Not sure if auto was sold. But the past due amount increases each month since XX/XX/XXXX. I have disputed this account through the reporting bureaus, it is validated each time. I disputed directly with Prestige Financial asking for paperwork proof, they did not respond.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one told me they believed I was in the right but they shut down my card account for no reason they would not reopen my account they damaged my credit score I'm trying to re establish credit credit they took my last payment and turned off my card.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Torres Credit Services, Inc. (PA)

I was never informed of the debt being purchased by Torres Credit Services via mail or phone. I am not sure when they purchased the account from XXXX. However the account with XXXX remained OPEN although the service was disconnected at XXXX XXXX XXXX due to the sale of my property. Payment was paid in full with XXXX not Torres Credit Collection Service which is reporting on my XXXX report and is INACCURATE and needs to be removed from my credit profile.
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TN)

I XXXX XXXX THIS IS NOT SUPPOSE TO BE ON MY CREDIT FILE THIS IS ALREADY PAID AND THEY ALSO TRIED TO MAKE ME DOUBLE PAY FOR THE SAME THING, ON XX/XX/2019 THEY HAVE ME OWING {$330.00} AND AGAIN ON XX/XX/2019 THEY HAVE ME OWING {$330.00} THE SAME PRICE BUT DIFFERENT DATES ANS YOU ALL CAN SEE THIS IS AN INACCURACY PLAIN AS DAY. THEN IT SAYS I OWE {$970.00} ON XX/XX/2019 ALL OF THIS IS NOT RIGHT THEY NEEDS TO SEND ME PROOF OR DELETE THIS IMMEDIATELY I DONT WANT NO PHONE CALL OR LETTERS SAYING THAT THEY INVESTIGATED IT I NEED TO SEE PROOF WITH MY SIGNATURE
Consumer complaint received 2023-04-07
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. (MD)

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 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 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 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 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 XXXX XXXX XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

My mortgage is with Suntrsut Bank. I am 14 months into an active Chapter XXXX. The mortgage lies outside the Chapter XXXX plan. I had made payments in full, ont time. In XXXX of 2019, the payment went up by almost {$500.00} per month. I feel this is egregious to anyone, let alone someone in my position. I had an initial conversation with the mortgage team at Suntrust who told me they could work on a modification plan with me. My attorney sent them the documentation giving permission for them to do this on two occasions. I never heard back. I was given an email alias only by the mortgage team to communicate with the Bankruptcy team. Several emails went unanswered. I have heard nothing back to this point. 

It seems this is being done by design.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

What makes it so difficult for XXXX XXXX to report my 2 credit cards as CLOSED on my XXXX and Equifax reports???? Why did XXXX XXXX report my 2 credit cards as CLOSED on my XXXX XXXX credit report but my accounts remain inaccurately listed as OPEN on my XXXX and Equifax reports??? Why cant XXXX XXXX XXXX and Equifax comply with the prompt mid-cycle reporting accounts CLOSED as required by the FCRA and Metro 2 protocols??? What is your purpose to willfully violate the FCRA by knowingly report my CLOSED accounts as Open??? Are your employees, computers, bots and PARROTS STUPID and incompetent??? Why are each of you risking statutory damages of {$1000.00}, punitive damages and attorney fees by continuing to violate the FCRA??? Permanently DELETE my 2 XXXX XXXX accounts from every CRA immediately or face increasing liability for willful FCRA violations!!!
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Experian allowed someone to change my user name and password on my account with them. They did not attempt to contact me beforehand but sent an email saying that I changed my email and password after they had already changed it. I am unable to log in to check for any fraud alerts. Im afraid that whoever did this will be able to unfreeze my credit and I have no way of knowing about it. 
This is unforgivable for a credit bureau.
Consumer complaint received 2021-12-06
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I checked my credit report and I noticed that I have a bankruptcy on my XXXX and Experian reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus before about the inaccurate information and they did nothing to resolve the problem.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank sent a notice via USPS mail that after an internal review they are going to close my account. 

I called them to find out the reason why my checking and savings accounts are being closed. Unfortunately, no one was able to give me a straight answer. I called the branch and they asked me to call the customer service, who told me to call XXXX XXXX XXXX XXXX who first told me to call the customer service and then asked me to call/visit the branch. This completing a full circle of run around. 

During this entire process, none of the agents could tell me exactly why my bank accounts are being closed - I did not have a negative balance, no overdraft, no bounced checks, a 10+ year relationship and additional Citibank products in use as well.
Consumer complaint received 2018-03-10
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. (CA)

XXXX reported 5 missed payments to the credit bureaus for months XXXX  through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX  by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

Activated a 10 % Cashback offer for XXXX XXXX with my Chase XXXX XXXX card. Made a purchase at a XXXX station with that card on XX/XX/XXXX. It shows in my account as XXXX XXXX XXXX for some reason, but the station is clearly a XXXX. Inquired with chase 's useless outsourced scriptreaders and only received their typical useless canned FAQ responses.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX, I was a victim of identity theft - Once the FTC reported the theft to all of three credit bureaus some of the creditors put a freeze on my account until I verified my identity with them - except for Bank of America. 

I've been a member since XXXX and I've had my credit cards since XXXX one card was $ XXXX and $ XXXX I've never been late and still making all my payments on time. Although Bank of America has not closed my accounts, they have lowered my credit lines to my balance which is ultimately effecting my debt ratio. 

When I went to the bank to show my identity, I was told I must re-apply for these already established credit lines which will add unnecessary inquiries on my credit file. 
These are unfair banking practices and although I have great credit I don't believe I should be required to reapply. 
I would like for Bank of America to reinstate my credit lines immediately. 

Thanks,
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous 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 THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )  XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (GA)

Paypal is discriminating against poor people and the elderly by no longer letting you access your account without disclosing a cell phone number. This policy is being applied to existing accounts.

The government is tasked to ensure that business practices are fair and necessary and do not cause a disparate impact to protected groups.

I can live without doing business with Paypal. I am heartbroken that they have decided to mistreat their customers and not accept land line phone numbers.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Need to report fraud-for-profit by lender NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, whom, 60 days after my loan payoff is refusing to refund my escrow account of {$6400.00} ; without excuse and without basis. Advised to contact FTC.
Consumer complaint received 2022-06-10
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. (TX)

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Recording Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-06
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2021-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (SC)

I got a loan for the amount of {$2000.00} XX/XX/XXXX. I was in need of cash because I had just XXXX XXXX XXXX. Covid hit my job pretty bad. Every time we got a case we were sent home without pay. This has caused me to call and discuss the issues with RISE CREDIT.COM  and see what options that I had. They informed me that the payment could be deferred but they would keep accruing intrest. I have been making payments of XXXX every two weeks now because the loan is now XXXX way more the orgainal amount of the loan. I was affected by covid really bad and this company would not assist. I now have a loan that is impossible to pay of because of the interest. I reached out to them to ask them if some of the intrest could be waived so that I am able to afford to pay it back. They would not work with me and only told me the payments would get higher. I am crying right now because Covid was out of my hands and I tried reaching out to them and nothing was working. I just want them to excuse some of the intrest because if that wasn't so high I would have paid this loan off. I have already paid the XXXX off plus some but the loan amount is not going down. I reach out to them and plead my case but they will not assist and state that covid is not their problem either. Even when I didn't have the cash I tried to make payments and whe my job closed I called them and they just added more on. I even tried to refinance the loan so that it can be made more affordable and they still would not help. Please assit with anything that you can do anything.
Consumer complaint received 2021-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Tried to contact TRANSWORLD SYS INC/XXXX company multiple times, last date of attempt XX/XX/2021 XXXX, all 3 times they hang up or ended the call when they were informed that they needed to provide the appropriate information of the owner of such depth ... they couldn't locate with account # or even Name of the supposed owner of account.. they insisted on a SS #.