davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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: Atlanticus Services Corporation (CT)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX/ATLS/FORTIVA is the company that is reporting this to XXXX and XXXX. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP. (NY)

I suffer from XXXX XXXX XXXX XXXXXXXX and XXXX as well as XXXX XXXX XXXX which is greatly agitated by stress. I have reached out to lender to explain to them that once the funds are available I will make a payment. They requested that I reach out to them and I have reached out to them to request that they no do not call me. The individual that I spoke with states that he would not be able to comply with that request as I owe them money. I explained to him that I did not say that I don't owe the money however, would rather not to be contact as I will reach out to him when funds were available. Lender states that he does not have to comply with my request as he is not a collection agency. Although correspondence states otherwise. Unwarranted calls are detrimental to my mental health. Representative that I spoke with on the phones states that he does not have to comply with my request as I owe them money. I explained that I did contact them to inform them that I would make the payment, already and is not necessary for them to call as I will reach out to them when funds were available. 
XXXX XXXX Legal Collector Legal Department New City Funding Corp . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TN)

This is a follow up with my complaint # XXXX, after almost 6 months of chasing US BANK prepaid service, only with help of CFPB, i recently got my new replacement gift card, its supposed to be {$100.00} per last agreement, when i checked the balance its only XXXX, i want the unexpected fee of {$5.00} credit back to my account, not only due to its US BANK 's issue ( not properly secure their gift card ), also took me almost 6 months time to get the issue solved.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

XX/XX/XXXX, I tried to use my debit card, was declined. PNC closed my checking account without notice. Was given no explanation ( I understand now they don't have to ) I've called, chatted and visited two branches and constantly was told, rather rudely, that they can terminate any time without reason I have banked with them for decades, always maintained a substantial balance, never bounced a check, used my debit card almost daily. I also have about ten accounts linked that uses auto pay to debit my account. Most importantly, I get direct deposit every month, that I pay bills and live off of. I was told the direct deposit would be returned to sender. Sender was not able to stop the direct deposit, as there was not enough time and I was told it could take up to XXXX months to reissue. I can not pay important bills, etc.. 

Also, as I only had XXXX business day to try to rearrange my whole financial life, redirecting debits to another account, XXXX debits posted for XXXX and XXXX dollars ( and some change ) I was charged {$36.00} service fee each. I don't know how many other things will post. I've been working feverishly to try to update different accounts, etc. My direct deposit I was told will be sent back to sender, at which point they wll have to reissue. It could take up to two months.
Consumer complaint received 2020-02-02
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)

I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with XXXX, Equifax and XXXX   for months now. I have sent numerous letters asking for these accounts be investigated and once verified show proof of their right to post those accounts on my credit reports. I have showed indisputable proof from the IRS that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information. XXXX, Equifax and XXXX  continue to violate my rights as a consumer to have these accounts that are not mine deleted, or show proof that they have the right to have these fraudulent accounts on my credit reports. XXXX  already deleted 2 out of the 3 accounts but XXXX  and Equifax refuse to do so.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

According to the FCRA 15 usc 1681 sec 602a I have the right to privacy and also 15 usc 1681 sec 604a The debt collector did not have my written instructions to report such debt to a credit bureau Also according to the NCLC Fair Debt Collection & 8.2 A debt collector must speak to a consumer or send a letter or electronic message about an alleged debt before reporting the account to a credit bureau. 

All these laws were violated the companies are as follows : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-18
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. (MD)

XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine.

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that XXXX XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
Consumer complaint received 2022-03-03
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. (FL)

In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM ATTESTING THAT THE INFORMATION ON THIS COMPLAINT IS ACCURATE. 

PLEASE NOTE THAT I AM DEMONSTRATING THROUGH CLEAR EVIDENCE what TransUnion has done. More specifically, failing to re-investigating certain challenges " not disputes '' and for them having lied about it. 

I have attached the letter addressed to them, but fear that they will provide another " generic response. '' I am fully aware of the laws around the FCRA and from the looks of it, evidently, they are not only making it worse for me by leaving the injurious items on my report, but are also boldly ignoring CFPB 's Credit Reporting Settlement Act/Agreement 's requirements by lying. 

REVIEW AS NECESSARY AND IF NEED BE, YOU ARE FREE TO PRESS CHARGES AGAINST THEM FOR GROSS NEGLIGENCE AND WILLFUL NON-COMPLIANCE
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

LVNV is a collection account owned by Resurgent Capital Services.  There is a collection on a credit card for the amount of XXXX dollars. I contacted Resurgent and they sent me a letter that I dont have any collection accounts with them. So far XXXX  is the only credit bureau that has deleted this inaccurate account from my report. XXXX  and XXXX   has not corrected my credit report even after uploading the documents proving my claims and uploading the letter from Resurgent. XXXX and XXXX  are really the problem with this collection account that does not belong to me.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2019 at Citizen Bank Branch Philadelphia Opened an credit card due to a promotion they advertised that I would be receiving 15 months 0 % interest. 
The first page of their promotional campaign stated introductory rate 15 months 0 % it was refering to balance transfers. This was not communicated as such in that 1. This is my bank i was defaulted to trust, i have money in this bank. 
2. I told them i would be making a large purchase 3. Most credit card companies offer me 0 % interest on purchases at my home, i was thinking maybe i would give my bank the interest. 
4. The promotion was misleading, in that what is so fantastic about receiving a credit card for 17 % interest? 
5. I believe the promotion was intentionally misleading, and could be interpreted that this was for purchases the promotion. 
I would like for them to honor the intention of the promotion, as understood by me the client. 
I have contacted bank to no resolution just being pushed around various offices.
Consumer complaint received 2020-02-02
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. (TN)

XXXX  XXXX pre-paid crediting building credit card - After two years of good service with this company, I noticed a major change in how my payments were being processed. 
I would make a payment and my bank would tell me it was cleared and payed, yet XXXX XXXX would hold my payment for several days, sometimes weeks. They mismanaged my payments by holding them for a month at a time over the last five months. Several times I would called XXXX XXXX to verify my payment was received ( after verifying with my Bank that the payment was cleared ) and XXXX  XXXX would add my Bank to our call and verify that the payment had been cleared. However, XXXX XXXX would continue to postponed my payment being available in their system ( remember this is a pre-paid card. I load the money and it should be available for my use within a few days ). Their representatives were rude to me on the phone when I tried resolving this issue time and time again. They would call my bank several times to verify payment the same payment and then still would wait several days, sometimes weeks to release the payment onto the pre-paid card. 

When I complained about this new practice of holding my payment for several weeks at a time the representative told me she could not help me and hung up on me. 

Due to this poor business practice over five months, I called XXXX XXXX and closed my pre-paid card with them. 

My credit score has now dropped over 100 points and my credit report shows a XXXX XXXX debt of over {$500.00}. ( You can not owe a debt on a pre-paid card. ) I would like to know how to get this off my credit report as it is drastically effecting my score and my ability to buy a home. XXXX XXXX has placed fraudulent charges on my credit report that I do not owe.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2020-07-31
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX  XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

While requesting my statemts from a prepaid XXXX card, someone sent me partial records of a credit card I had when I was much younger, XXXX  years ago. That was closed in XXXX. XXXX on top of the stack of papers was XXXX month in XXXX ; showing {$500.00} in and {$500.00} out same day. Frankly I wasnt concerned about that, as I was more intent on my initial search. But before I could say anything when I called in about it, the lady said I bet youre wondering where that {$500.00} went arent you? I really wasnt, but at this point I replied yes. She preceded to tell me that a savings The account was automatically open with these type of accounts and thats where the money was held, and she was going to look into where it went. She told me to go see a banker at a local branch. Which I did the local banker said they wrote me a check. I said thats great. I really dont recall getting XXXX, but can you check for me to see if it was cashed. He said yes and he would get back with me and put it into my current account if that was the case. I never heard back, so when I asked again, he said that it had been revoked. I dont even know what that means. It was a prepaid card couple months later while looking into some other accounts and asking more questions. The bank sent me XXXX years worth of bank statements. It took me quite a while, but I found the XXXX dollars supposedly they came out of my account the day. I opened my business account. I absolutely did not transfer {$500.00} to an account that I thought was closed XXXX  years. anyways, after speaking with a representative at the XXXX XXXX XXXX XXXX, they assured me the account was closed. After I relayed to him. when I call, theres options for credit card and prepaid card yet I dont have either. He said disregard. So when I hung up, I called him and I hit an option to {$10.00} on the credit card. XXXX and behold it worked and then I sat back and watched that {$10.00} was transferred XXXX more times to different accounts without my involvement whatsoever. Now I am receiving statements for credit card as if its back open again without my authorization. 
This is the same card that was put on my credit report years ago. But if you look closely, top of page my last statement says account ending in XXXX which is correct but at the bottom of the page they changed the account number. This just happened.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I've tried to unfreeze my credit on the web site and the app. Tells me to contact customer service. The automated line wont unfreeze my credit and they refuse to connect me with a person. So I now can not access my credit, EVER AGAIN!
Consumer complaint received 2020-12-15
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)

I am opening a new complaint, as the first one submitted was disregarded, once again, which is the basis of the complaint in the first place. I want the accounts in question to be removed due to the bureau 's lack of response, and subpar response of " we don't believe this is you ''. WHO ELSE WOULD IT BE????