davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Foreman Financial Inc. (AZ)

On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named XXXX XXXX XXXX i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, XXXX XXXX XXXX ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information
Consumer complaint received 2021-02-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX sold XXXX debt from XXXX  XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested. 
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX. 

Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies. 

XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt. 

Also XXXX  is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus.
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

My services is Rushmore Loan Management, I applied for forbearance or assistance as it was the second time Ive had XXXX. They approve it, but then have me fill out applications that are very lengthy and theyve also increased my payments significantly. Why is my payment increasing if the balance is added to the end, it doesnt make sense to me at all.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan - Ifiniti LT # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I FILED A DISPUTE WITH CAPITALONE ON OR AROUND XX/XX/XXXX FOR THE DOLLAR AMOUNT OF {$600.00}, A DISPUTE OVER A DANGEROUS USELESS ITEM PURCHASED ONLINE THAT CAN NOT BE USED AT ALL, NOT WHAT WAS ORDERED FROM THE COMPANY NOR WHAT WAS ADVERTISED BY THE AUTO COMPANY. IF THE ITEM IS USED IT WOULD CAUSE A SERIOUS DANGEROUS HAZARD ON THE ROAD, BECAUSE OF THE POSSIBLITY OF THE ITEM COMING OFF AT A SPEED OF 40 MPH OR FASTER, WHICH MAY CAUSE SERIOUS ACCIDENTS AND/OR DEATH TO OTHERS. THIS ITEM HAS NEVER BEEN INSTALLED ON THE VEHICLE AND CAN NOT BE INSTALLED BECAUSE OF THE DAMAGE. CAPITAL ONE REFUNDED THE CHARGE UNDER THE DISPUTE POLICY, HOWEVER ON XX/XX/XXXX PLACED THE CHARGE BACK ON MY CREDIT CARD, DESPITE THE FACT THAT IN ITS OWN CONTRACT WITH THE CREDIT COMPANY, I HAVE EVERY RIGHT NOT TO BE CHARGED FOR THE USELESS ITEM, WHICH WOULD CAUSE A ROAD HAZARD. I ATTEMPTED TO RESOLVE THE PROBLEM WITH THE AUTO COMPANY, HOWEVER TO NO AVAIL. ON OR AROUND XX/XX/XXXX, I PAID IN FULL, IN ADVANCE, AND WAS CHARGED {$600.00} FOR AN ITEM FOR A VEHICLE PART THAT WAS PURCHASED ONLINE FROM XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, IL. THE COMPANY CHARGED MY CREDIT CARD IN FULL {$600.00}, BUT REFUSED TO SEND THE ITEM. WHEN I CONTACTED THE AUTO COMPANY, THEY MADE ME WAIT WEEKS TO RECEIVE THE ITEM AND SHIPPED THE ITEM DAMAGED TO ME. I HAD TO REFUSE THE ITEM AND HAVE IT SENT BACK, HOWEVER THE COMPANY KEPT MY MONEY. I HAD TO REQUEST THAT AN ITEM THAT IS NOT DAMAGED BE SHIPPED TO ME. AGAIN WEEKS WENT BY AND THE COMPANY SHIPPED OUT ANOTHER ITEM THAT WAS DAMAGED AND HAD THE DAMAGED CONCEALED UNDER SHIPPING PAPER TO HIDE THE DAMAGE. UPON FURTHER EXAMINATION OF THE ITEM, I CONTACTED THE COMPANY ABOUT THE DAMAGED ITEM, THE COMPANY CALLED ME A RACIAL SLUR " XXXX  '', " XXXX  '' AND A " XXXX '', SAID " XXXX XXXX '' AND LAUGHED THEN REFUSED TO SPEAK TO ME, KEPT HANGING UP ON ME, REFUSED TO TAKE ANY OF MY CALLS AND REFUSED TO REFUND MY MONEY OR EVEN SHIP OUT AN ITEM THAT IS NOT DAMAGED AND PICK UP THE DAMAGED ITEM.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I deposited my payroll check into my Bank of America checking account. Since it was a new payroll check, I wanted to know if there would be any holds ; teller instructed no, stated that funds would be available midnight on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and there was an additional 10 day hold placed on my check stating funds would not be available until XX/XX/2019. I telephoned customer service and was told that my check had to be verified by my employers bank. I was told to talk to my employer. Spoke with my employer, who contacted XXXX   XXXX XXXX  XXXX, their bank, and was told that they would contact the bank. I attempted contacting Bank of America and was told 5 reps later that their verification process was online only and that they could not receive a call from the jobs bank. My job gave me a copy of the payroll check to show that it was cashed and verified by Bank of America. I walked into a branch to furnish proof that they had the funds and was told that there is nothing they could do and that no one could release a hold. As a result of this, my account is in the negative because my household bills hit. I have incurred overdraft fee 's and I have an XXXX XXXX XXXX son to take care of with no money. All of my bills have bounced and are late. Every bill I have is late because they will not release my check due to their error. By the time they release my check, I will be getting paid again.
Consumer complaint received 2019-06-27
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: CITIBANK, N.A. (FL)

In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action. 


Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-02-11
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: WELLS FARGO & COMPANY (SC)

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On XXXX XXXX, at XXXX, I called Experian and discussed that there was incorrect personal information reporting on my credit report that was not accurate and asked that it be removed. Incorrect addresses, mis-spelling of name, incorrect telephone number and past employment. Experian fraud dept refused to remove the incorrect information.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently been informed that there is negative information reported by Clerk U.S Bankruptcy Court XXXX XXXX Texas in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing you verified this information with the name above court. 

I challenge the accuracy, compliance and report ability of this listing. 

Please validate this information with the above court and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( l ) ( A ) and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactory within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware of the dependent upon your response, I may be detailing any potential issues with your company via an online public release including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-11-17
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. (MS)

Fraudulent hard inquiries on credit report and they want remove them Hard inquiry - XXXX XXXX XXXX   XX/XX/2019 -- -- -- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. 

The account is XXXXXXXX XXXX XXXX XXXX. 

I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

NATIONWIDE CREDIT , INC. ( nci ) I received communications from XXXX XXXX regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to XXXX XXXX, informing XXXX XXXX that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

XXXX XXXX XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from XXXX XXXX XXXX XXXX  was my account was sold to Nationwide Credit , Inc. ( nci ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with XXXX XXXX XXXX XXXX and Nationwide Credit , Inc. ( nci ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and XXXX XXXX XXXX XXXX investigation findings. 

In the meantime, Nationwide Credit , Inc. ( nci ) has been sending frequent emails to collect the said debt. I have not communicated with Nationwide Credit , Inc. ( nci ) because this confusing situation requires resolution before paying anyone any amount of money.
Consumer complaint received 2022-10-18
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: Lendmark Financial Services (GA)

Lendmark did not address any of my concerns, see their response on XXXX. 

Please be advise that I have notified the Attorney General. You all have repeatedly violated my rights as a federally protected consumer. I am now going to be pursuing further action as Lendmark is showing their willful noncompliance to federal law at my expense. I have the right to privacy and that has been breached by Lendmark. I have tried many times to rectify this situation before escalating these concerns. 

In their responses, they keep addressing me as XXXX AND stating or to whom it may concern as if I am not the one who has been filing these complaints. This is an example of their complete disrespect and disregard for how they are handling my concerns. Lendmark you have been placed on notice for the multiple violations and all I have asked for was for you to remove this unlawfully reported account from my consumer reports and you won't even do that. 

The FDCPA states that you are to cease all collection activities until you have produced verification of the alleged debt if requested by the consumer. As per the FTC, this includes reporting to the consumer reporting agencies, which you have obviously done illegally.
Consumer complaint received 2021-11-07
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. (CA)

I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the XXXX XXXX XXXX, XXXX account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-11-06
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: Experian Information Solutions Inc. (PA)

INQUIRIES ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX  RESIDENT VERIFY I DO NOT RECOGNIZE THESE INQUIRIES- I DID NOT APPLY FOR CREDIT HERE I AM NOT A CREDIT REPAIR COMPANY