davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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)

To Whom It May Concern XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group (TX)

Foster and Monroe have made calls day and night to my phone. At odd hours. Recent voicemail was left by XXXX XXXX who threatened legal action even though it has been 5 years. A company could no longer be able to sue. She said the county of XXXX XXXX will be contacting me. She called my actions silly. And when I had made a payment the link to the receipt/document is broken.
Consumer complaint received 2021-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX DE XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXXypeSingle family XXXX XXXX XXXX XXXX SUNRISE, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX SAINTHILAIRE 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (IL)

I received a ''Premium Rewards '' from BMO on XX/XX/XXXX, a year and couple of months after after I requested an annual fee waiver on XX/XX/XXXX, they changed my card to ''Platinum Rewards ''. The new card showed up at my mailbox with a booklet explaining that I can get XXXX points by spending {$2000.00} in the first 3 months of receiving the card. I qualified for the bonus on XX/XX/XXXX ( transaction of worth {$2000.00} ), but never received the promised points.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2020 I signed up for a free month of a XXXX XXXX Premium Subscription, set to expire on XX/XX/20. At which point, I would have to pay for each month. The total for a year was set at {$570.00}. According to my documentation, should I have neglected to cancel prior to or on XX/XX/XXXX, I would have have to pay per month, not for a year up front. 

I never intended to continue my subscription, and even made a note to cancel my subscription prior to or on XX/XX/XXXX. At the time in XXXX, I had just found out that I would be losing my job at the end of XXXX, and therefore wanted to take advantage of the networking and job opportunities a month long free XXXX XXXX   Premium subscription would provide. 

For four days, I have tried to cancel my premium subscription and revert back to a free XXXX XXXX account. I have spent a handful of hours online at XXXX XXXX trying to cancel my paid account ( not CLOSE my account entirely ), as well as XXXX options to close my account. I have followed the instructions given to cancel my account by XXXX XXXX articles ; however, there is no " Cancel '' button on XXXX XXXX where indicated. When I finally found a phone number to call today ( XX/XX/XXXX ) for XXXX XXXX, there is an option 1 and 2. Both options do not lead to human beings, but direct you to go back to their website. 

I finally found a page where I could submit a claim/report. However, when I filled this out, the browser/connection refused to submit the claim. My wifi worked for other websites during this time, including other XXXX XXXX pages. It has been over an hour now since i attempted to submit a claim on their website and it still won't process. 

There is a transaction for {$620.00} pending in my Bank of America account by XXXX XXXX for what I assume is a year long subscription ( despite the fact that it is supposed to be for {$570.00} -- even though I don't want to renew at all ). I don't believe I should be charged any of this, since I have diligently tried to cancel my account since XX/XX/XXXX when it was to renew automatically. 

I got on XXXX about an hour ago to " XXXX at '' XXXX   XXXX..the only option I thought I might have to reach a human being about this transaction which I do not believe to be lawful. XXXX XXXX has clearly made it extremely difficult, if not impossible, to cancel a trial. I believe they have deliberately mislead consumers to inaccurate information in an attempt to make it impossible to cancel a paid subscription. 

I contacted my bank to see if I could dispute/halt the charge, but since it hasn't cleared yet, they can not take any action yet. 

Thank you in advance for your help and support. 

I can not afford to make this payment for a service that I never intended on using past XX/XX/20.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX Ct XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX RE : Account Number XXXX To Whom It XXXX Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 the 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 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

THIS IS A FOLLOW UP ON CASE # XXXX I have contact CFPB about this case and Citibanks response was to get the money from XXXX XXXX I was provided a letter from XXXX XXXX ( see attached letter ) stating that XXXX XXXX has returned the funds and seek attached file And its Citibank STILL DID NOT eturn the funds. 
I need Citibank to return all the funds that XXXX has already stated in the letter.
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In the summer of 2018 I asked XXXX for a skip a payment option. It was approved but for some reason seems to have caused some confusion on my loan. After that request XXXX reported a 30 day late payment in the month of XXXX to XXXX. XXXX also reported a 30 day late to XXXX for the month of XXXX but marked the month of XXXX ok on XXXX. Same applies to XXXX, XXXX reported a 30 day late to XXXX  but marked XXXX as ok on XXXX. So the company has reported inconsistent information during the time that I was approved for a skip a payment. This 30 day late keeps fluctuating between XXXX & XXXX between reports.
Consumer complaint received 2022-12-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX With initiation of the {$700.00} loan, I was told by the representative the loan would be paid in full by XX/XX/XXXX. Due to unawareness of XXXX bank attachment, I made a in person payment early on in the repayment of this loan. The same month an additional payment was taken out and not applied as a next month payment. I called to inquire why payment was taken out today, XX/XX/XXXX and the representative noted the account is not paid off and will not be paid in full until XXXX of XXXX. She noted she could see in the in person payment, yet that amount was applied to the principal. I would like this entity audited for the accounting on this account and any violations of the Truth and Lending Act, 15 USC 1605 and 15 USC 1601 and any and every other violation of consumer protections which are believed this entity is and has participated in relative to this account.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc. (CA)

XX/XX/2021 I sent a dispute for a transaction I made ( {$500.00} XX/XX/2021 ). I am disputing this transaction because I have not received the service I paid for. I got a partial refund. 
Since my dispute was sent I have not received any resolution from my bank XXXX. I was told many many time that I should be patient. But after 6 months no resolution.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I Recently received a copy of my credit Report After Reviewing it I found that there is an Inaccurate Account that i Did not Authorize. This Account is Fraud and i want this fraud Account Removed from my Credit Thank you
Consumer complaint received 2022-12-01
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. (CT)

This has been very alarming to me I called Experian XX/XX/2022 and spoke with multiple reps one who told me after highlighting inaccuracies on my credit report A rep stated to me items would be deleted on my credit report and in turn without my consent a dispute stating identity theft at which time I never said generated in my behalf without my consent which would be false or misleading information and furnishing deceptive forms This has cause stress anxiety emotional trauma and for me to start going to therapy
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NC)

Since XXXX American Express has been attempting to collect alleged debts from me that have already been paid. My account with American Express was approved and opened on XX/XX/2020. The account was opened through my credit ( pursuant to 15 U.S. Code 1602 ( f ) ) when my social security number ( pursuant to 15 U.S. Code 1602 ( l ) ) was originally acquired in the application in order for me to be the consumer in the credit transaction with American Express. Since the law deems the transaction as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended ( pursuant to 15 U.S. Code 1605 ( a ) ), then American Express has continuously violated my consumer rights by persistently requesting and demanding payment from me for alleged debts that have already been paid for through my credit. With American Express being defined as a debt collector by law ( pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) ) they have also infringed upon my rights and violated the law by stating that I owe debts, sending multiple forms of communication with an intent to collect a debt, and using language and symbols that identifies the company with an intent to collect a debt ( pursuant to 15 U.S. Code 1692 ( b ) ). They have also continuously called my phone ( 15 U.S. Code 1692 ( d ) ( 5 ) ), unlawfully closed my account ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ), and threatened to sell the alleged debt to a collection agency ( pursuant to 15 U.S. Code 1692 ( e ) ( 4 ) ). American Express has also fraudulently reported late payments, credit utilization, the closing of the account, and other information regarding personal details about me to several consumer reporting agencies ( pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) ( i ) ). I have contacted American Express by mail demanding that they cease and desist all illegal activity and return to me an audit trail of all documents relating to my account, an account reinstatement, and a XXXX balance.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MI)

In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **Diversified Consultants ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX   XXXX