davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$25.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was offered a payment of {$420.00} to settle an account of {$710.00} The remaining {$280.00} still shows delinquent on my account even though the offer was to settle to entire amount
Consumer complaint received 2021-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a member in good standing with my Capital One CC until last XXXX when the creditor apparently charged us an annual fee on a credit card that was paid in full. Please also note that prior to the payoff we had our payments set up on auto pay. We did not receive a statement in the mail showing that we owed a balance nor did the creditor attempt to reach us by phone. We have never missed a payment with this creditor ( or any others for that matter ) so I find it extremely unethical for them to ruin my credit over missing an annual fee payment. I dont think its fair that people should receive hits to their credit for any types of fees ( anything that does not include charges or interest ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX the creditor along with all credit bureaus was contacted by me ; in regard to inaccurate reporting which has negatively been impacting me. 
CAPITAL ONE AUTO FINAN Account Number:XXXX  This auto loan was paid off by my insurance carrier due to an auto accident.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Chime bank At approximately XXXX XXXX. XX/XX/2022 a transaction in the amount of {$50.00} was taken out of my account from XXXX restaurant. during that time I was at work in XXXX, Tx no where near the location of the transaction. I had my bank card on me and no one has access to my account nor card information. At that time my account balance was XXXX, and my overdraft was only {$25.00}. My balance was XXXX due to me transferring my check I just received that same day at XXXX XXXX XX/XX/2022 in the amount of {$630.00}. The only other transaction I made that day was from XXXX at the corner of XXXX XXXX and XXXX XXXX in the amount of {$2.00}. I then contacted Chime to file a dispute on XXXX XXXX. 2 days later on XX/XX/2022 with no emails stating why they denied my claim. How was my money able to be accessed for {$50.00} if my account balance was XXXX and my overdraft was {$25.00}? Thats not even enough to allow the transaction to go through. I called several times and was hung up on. When I finally got through for a call the person on the phone said that he wasnt able to transfer me to anyone and all communication will be done through email. I just want my money back. If I need to file a police report I will and contact a lawyer if need be.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

MIDLAND CREDIT MANAG # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2018 I have wrote the CEO of XXXX XXXX XXXX with an affidavit of fact. The affidavit of Fact he had 21 days and did not get rebut any of the facts and now I'm informing you that this has fallen into default judgement in my honor.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

Once again I am unable to log into the citi app to pay my bill. This is my second complaint this month about being unable to pay my bill. If I'm charged any fees or interest over this please understand that I will sue and I will win. You must take my payments.
Consumer complaint received 2018-06-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (FL)

Seterus claims they have a foreclosure on the property ; however, there is no evidence to support that claim. The mortgage company was XXXX XXXX XXXX not Seterus. I have requested a copy of the closing documents but have not received them in over a year since I requested them. Under the legal I have none, if this company attempted a foreclosure there would have been legal information. Please help. My e-mail address is : XXXX. 



Thank You, XXXX XXXX
Consumer complaint received 2018-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the SEVENTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX  XXXX XXXX that all the other credit agencys deleted except for XXXX XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time XXXX XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I did not sign any lease agreement with them yet. They are sending me letters. Someone reach out to me provided them my current location and I told them I have not signed any extension although I did not stay in the apartment. I still paid for one year after which I did not sign any extension, but now they are keep sending me and trying to collect that which I dont own them.
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc (TX)

XX/XX/XXXX received an email preapproved for small loan, applied for XXXX. After completing info online didn't understand the agreement as the terms werent not listed online. per site All we need is your signature on the Loan Agreement. I called the no Wise Loan/Essential Lending, Inc.XXXX & on hold for over 30 min as a new customer, I hung up called again on hold over 50. I hung up, online it shows you're approved, funds in your act by XXXX XXXX as it was approx XXXX cst. I went back online and chatted to let them know couldn't reach anyone, don't understand the terms, she's says you're approved for XXXX, I said I don't want XXXX, I want XXXX and where are the terms online, due date, rate? She said you already signed and approved. The next min I received a separate email ( Cust Ser Response ) Congratulations with 2 attachments XX/XX/XXXX at XXXX, notice the contract date is XX/XX/XXXX and fees start on this date ; also notice AMOUNT Financed and amount GIVEN Directly to me : {$400.00}. Funds were deposited that day after XXXX not by XXXXXXXX XXXX. First pmt due XX/XX/XXXX, APR 799 %, in 6 months total pmts = $ XXXXCFPB how is this legal? A lender can charge over 100 % rate, not a dime goes to interest or so called rip off fee " CSO '' *I noticed immediately as I sent email to them regarding the errors. DATE, amt financed, and the APR, total of pmts didn't sound right and incorrect. Went back and forth via email with this unprofessional rude, incompetent reps, refuse to answer the phone line, chat dysfunction no longer working after loan approval. Contracts do not shows first payment due XX/XX/XXXX. I suddenly receive an email XXXX indicating my first payment due " friendly reminder that you have a payment coming up in a few days '' -no where on either agreement this info was stated nor online. Nothing but a SCAM. being forced to pay amount while its Undisclosed online. See attached along with website, no tabs showing contract agmt, XXXX date, rate, etc. Most tabs don't open, receive a separate email to log in and dysfunctional indicates wrong password after entering correct password. Mo info re how to payoff loan as made multiple attempts to pay off loan since Friday XXXX as site would not allow me to sign in, I tried to reach this comp on XXXX XXXX and spoke with XXXX she REFUSED to tell me how to pay it off and said to call tomorrow. The reps cant answer any of your questions nor able to provide where this info is located online as its not online. This is unfair to me not being able to pay off this loan and with the excessively HIGH fees and 800 % rate daily is outrageous! Now I'm having to run this company down to figure out how to pay off early is flat out wrong. I shouldn't have to pay this company a dime due to the multiple violations. Due to their incompetence and dysfunctional website, refuse to connect, outrageous terms and excessive rate I request for this company to remove the full debt owed immediately. See docs attached
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (KS)

I have our mortgage payment set up on auto payment. Our monthly payment due has been {$1400.00} ( escrow XXXX of said payment ), but we overpay a monthly rate of {$1600.00} ( an overpayment of {$190.00} ). On XX/XX/XXXX, Flagstar notified us, via voicemail, that the account was past due. 
Upon calling I learned the account was past due because Flagstar reviewed the escrow and raised it to {$660.00} claiming insurance rates were now {$4400.00} and taxes were {$3400.00} ( See attachment dated XX/XX/XXXX ). That insurance rate is more than double the previous years assessment at {$1800.00} ( see attachment dated XX/XX/XXXX ). The insurance rate was falsely and drastically inflated, and Flagstar could not provide any information regarding the reason for the inflation. 
This same exact issue happened to us in XXXX of XXXX! In XXXX they inflated insurance rates with no explanation and increased the payment ( see attachment dated XX/XX/XXXX ). After hours on the phone and submitting documents, they were able to input the correct numbers and restore the correct payment due of {$1400.00} ( attachment XX/XX/XXXX ). However, no one was ever able to provide documentation on why this happened. Flagstar did not follow up on the matter. 
Again, Flagstar requested I send in insurance documentation for review of the second error and then I was to call Flagstar back in 48 hours. On XX/XX/XXXX I called and spoke to two different departments ; neither had an explanation for the issue. However, they told me if the balance due wasnt paid by months end I would be reported to the credit bureau. So, we were required to send {$250.00} to Flagstar ( payment made online XX/XX/XXXX ) and they told us once the matter was resolved we would get the money back. However, they are not able to apply the money to our account so they will have to return via a check in the mail. Once again, time away from our jobs, hours on the phone, and money sent for Flagstars error. 
I expect this correction to be expedited. I also expect detailed documentation regarding how this incident has occurred not once, but twice in the last twelve months. I want to know why this presumably fraudulent activity happened and what is going to be done to ensure this does not happen again. I want our {$250.00} returned to us swiftly, and I want to ensure the {$190.00} of overpayment that was submitted on the recent payment was not misappropriated during the time that Flagstar made erroneous adjustments to the terms of our mortgage. 
I would hope that they would reexamine their customer service guidelines to remove the burden of follow up from their clients and accelerate the investigation process for obviously false claims that result in the damage of consumers credit history. 
We are concerned that this is happening to other consumers, some who may not be fortunate enough to catch it and Flagstar is  illegally collecting money from consumers.
Consumer complaint received 2022-01-12
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: Continental Services Group, Inc. d/b/a ConServe (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions. 

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX  XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (FL)

Why isn't XXXX following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts. 

XXXX identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I never received a letter of validation for the record at all and XXXX is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts DELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX