davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX  Account Number:XXXX  Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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 2020-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (DC)

I purchased a flight via XXXX  on my Citibank debit card. After flight cancellations, I was unable to take a flight to XXXX to be with my family for Christmas. After contacting the airline, XXXX, and Citibank, I disputed the transaction. 

Citibank provided a credit then reversed it and refuses to honor the dispute or do their due diligence.
Consumer complaint received 2019-10-04
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. (TN)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report 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 AND 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.
Consumer complaint received 2019-10-04
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. (TX)

Equifax ; XXXX and XXXX  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2023-06-13
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. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts/inquiries completely from my credit reports. 
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
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX I received an e-mail from my mortgage servicer that they had paid {$1300.00} to XXXX XXXX XXXX XXXX for hazard insurance. I immediately e-mailed on them on XX/XX/XXXX saying that I already had hazard insurance through XXXX XXXX, and e-mailed them a copy of the binder and declaration page. 

I asked them to cancel the insurance and refund the premium immediately on the insurance that they placed on my behalf because I had no lapse in coverage. They refused. 

I have never contacted XXXX XXXX XXXX XXXX, asked for a quote, or bound coverage through them. The mortgage company placed this insurance without my knowledge, and did not send me any notification prior to doing so.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (FL)

RE : XXXX I called one month before the lease was expiring and explained to the person that I will be traveling and telling him the day I will be returning the car, he told me that I have some grace period. 
After several calls on XX/XX/25 I went to the dealer, and they provided me an invoice that was printed from the system, it says {$28000.00} and was valid for ten days ( please see attached ) .when I requested an explanation, I was told that it was from the system and if I wanted the details, I have to call Audi Financial directly. Same day, I called and was told that they can not provide me with that information. 

In my initial agreement the residual value was {$28000.00} and it was in my right to know why there was a difference of {$280.00}. However, neither XXXX XXXX XXXX that was the dealer nor Audi Financial provide me the information. XXXX XXXX told me that they received a statement from Audi Financial and Audi Financial told me that they can not provide that information and the dealer should tell me. My right is to know what I am charged for. 

Since this was a complete nightmare and lose a lot of time from my job, I decided to purchase the car and pay for it with a personal check, however, I was required to get a cashier 's check and it was already XXXX so, I told the salesman helping me that I will return the next day with the cashier check. I returned the next day with a cashier check for {$31000.00}. That amount includes the taxes and registration fee. However, the salesman explained to me that the amount due changed and I had to pay an additional {$21.00}. Again, when I asked for an explanation, he just said that it may be interest, however, he told me to call XXXX AgainXXXX XXXX, according to the person, was unable to tell me over the phone. So, once more and to finish the nightmare, I paid that amount, not knowing what I was paying for. 


At that point, I decided to stay quiet even though I know my rights. What was my surprise when I received a new invoice for {$700.00} charging me interest and disposal fees when I did not even return the car, I purchased it. 

After that, I have written two letters and called once, but according to them, they have not received the letters. According to the lady that answered my last call, XXXX  XXXX XXXX purchased the car and if I have an issue call them. 


I paid off the lease 3 months before and I did not receive a credit for that. Also, leased several cars with them and never had felt so aggravated with the way they conduct business. 

I want a reimbursement of the {$280.00} + XXXX that paid the next day and a complete reversal of the {$700.00} invoice Thank you
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

unfortunately My purse was stolen on XX/XX/XXXX. 2024 from my car as i waited for a friend at her home. On XX/XX/XXXX on noticed a large debit from my checking account i immediately reported this to my bank Chase that my checking account was compromised by fraud and a check was cashed in a large amount. I realized i was a victim of Fraud and reported this fraud on my acct on XX/XX/2024 in the amount of XXXX to have been done without my knowledge nor consent. claim number # XXXX po ; ice case number XXXX i immediately requested a fraud report and claim. after 27 days getting close to 30 days later without resolution. I'm still waiting for my funds to be refunded to my account. i have not received a temporary refund while this has been investigated. this is extremely frustrating as a customer. 
As a victim of this fraud incident and being put thru this unfortunate situation i have been under much stress and disappointment waiting this whole time. at first bank said it would be resolved between 3 to 7 business days. then they said another 10 days .. now 30 days later I'm still waiting. i also provided them a Police Report
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (IN)

Capio Partners , LLC is trying to collect {$2500.00} from me that I do not owe. On XX/XX/XXXX and XX/XX/XXXX, two claims arose for medical treatment I received vis XXXX XXXX XXXX XXXX. During the entirety of XXXX, I was covered under Illinois XXXX, which the State of Illinois confirmed with me yesterday, XX/XX/XXXX. XXXX XXXX sold this debt before the state of Illinois was done processing and paying these claims. The state of Illinois told me to have XXXX XXXX XXXX XXXX  submit these claims again, but they can not since the debt was sold. Now Capio Partners , LLC has been trying to collect from me instead of the State of Illinois. They've contacted me and family members, even telling them they will sue me and have reported me to credit agencies.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

Around XX/XX/2017, my XXXX account was behind. It is through Comenity bank. I contacted Comenity bank for my XXXX account, about making payment arrangements. XXXX XXXX XXXX, a Comenity bank representative for my XXXX account, arranged and set up a series of payments to come out of my account bi-weekly, which Comenity would later say never happened. Then there were continuous late fees throughout the process. 

Then all of a sudden, my accounts through Comenity were closed, even those in good standing, when I asked for a reduction in total amounts owed on this XXXX account ... .and reporting on my credit report was changed to paid and in good standing. Then they were no longer listed on my credit report. 

Six months later, the reporting starts up again, and begins reporting delinquency again. The balances are overinflated and totally unfamiliar to me. 

How can I trust the accuracy of this banks billing process, when they could not even honor the agreement that I made with them ; first by denying that the agreement was ever established ( even though they were clearly withdrawing the arranged funds from my account biweekly ), then the continuous late and non payment fees that made the payments that I was making counterproductive to the process of working towards anything other than it being a means for me saying that I would like to do something? It was like I was being consumed by sharks and no matter how hard I tried, they were going in for the kill. 

They are reporting figures that I dont have the means to pay monthly, without starving myself and my family to death and succumbing to a life of homelessness. All I asked for very early on, was a reasonable settlement of this account. But of course, they will say that they have no record of that. I can not pay all these years of late fees and penalties. Theyve already written the account off as a loss and have been paid by their insurance for it. Now they want to collect even more money, on the same account that theyve already recouped their losses for, at the expense of holding a credit score and/or lawsuit over my head? Really? 

I no longer know whats what, as far as what I truly owe them. I would never recommend Comenity bank to anyone, because I DO NOT trust their practices. And they have no compassion for you as a human being, when crises arise in your life. Im not going to just give them whatever they say, for clothes that were already donated to charity, so very long ago.
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

This particular account situation that is lately filing on my own credit document has unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC/ has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of mypayments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please see this letter as an immediate request to reverse inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (GA)

MR COOPER AND XXXX XXXX XXXX XXXX XXXX ARE ATTEMPTING TO FORECLOSE ON MY PROPERTY WITH FRAUDULENT ROBO SIGNED ASSIGNMENTS. THE ASSIGNMENT WERE CREATED AFTER THE CUT OFF DATE OF THE TRUST THAT WAS FILED WITH UNITED STATES SECURITIES EXCHANGED THEY HAVE NOT NOT RESPONDING TO MY QWR THAT I SENT XXXX. NOR HAVE THEY ACKNOWLEDGED MY DEBT VALIDATION AND NOTICE OF ERROR. I HAVE ALSO REQUESTED A COPY OF ORGINAL NOTE AND THEY WILL NOT SEND A COPY, AND I HAVE ASKED FOR THE GAP ACCOUNTING
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis Cred contacted me about a debt on behalf of XXXX. On XX/XX/XXXX, I asked in writing that they provide what the money they say I owe is for, explain and show how it was calculated, provide me with copies of any papers that show I agreed to pay, Identify the original creditor, and only contact me via email for a written record. 

Genesis Cred did not provide the things I asked and in fact never responded to the repeat emails sent to their requested email address XXXX. 

I followed up XX/XX/XXXX explaining that their XXXX  ledger was based on a monthly rent amount different that the {$2000.00} in my signed lease agreement and therefore was not a correct debt. To this date, nobody has validated the debt and the only document is a XXXX  ledger showing 33 days of an 18 months lease with an egregiously incorrect starting balance. 

On XX/XX/XXXX I followed up asking again to explain and show how the claimed amount was calculated and provide any papers that show me agreeing to pay a different lease amount. I also asked for a list of the repetitive harassing phone calls I had received in violation of my request under the FDCPA. 

In XX/XX/XXXX, I received a notice from my credit report that the company had filed to the credit bureaus that I had not paid my debts. 

I have still not received a response to any of my emails. I have still not received anything showing that I owe what they say I owe. They have repeatedly violated my FCRA and FDCPA rights.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

About 6 months ago i received a copy of my credit report and i noticed several accountsthat are listed on my report that i never applied for never used and never received anybenefit from i disputed these accounts and they refused to remove them all these accountsare results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$610.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX  XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( XXXX ) XXXXXXXX XXXX
Consumer complaint received 2023-03-19
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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, 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.

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 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

For the past 5 months I am disputing a several collections items from my credit report from the same company and never got any validation from the collections agency plus they are adding fees each month for a medical bill, they even reporting all the accounts as past due ( violation of fdcpa )
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

There is a person by the name of XXXX using my credit report. I receive emails with his name attached to my report. I called all 3 bureaus and nothing was done. I reported that there was identity theft and I received an email regarding identity theft tied to my name and email account. The report comes from Experian.
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNTRUST BANKS, INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never XXXX days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!