davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERIS BANCORP (GA)

On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Ameris Bank of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Ameris Bank could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact was made me question what I was doing. The treatment from Ameris Bank is compounded by trauma and anxiety and has left me in the awful situation I now find myself in.
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To whom it may concern.. My name is XXXX. I am a natural person and proud American Consumer. I thank the CFPB for being the only Federal Bureau that fights for consumer rights. Im writing this complaint because Portfolio Recovery Associates is violating my right to privacy and harming my family by negatively reporting inaccurate information on my consumer reports violating the Consumer Federal Protections Act, 12 U.S. Code 5531 - Prohibiting unfair, deceptive, or abusive acts or practices, and many more violations hindering my estate from obtaining goods for personal, family, and household services. 

God gave us all this land and rights to it, and Portfolio Recovery Associates can not violate Gods law or Federal law.
Consumer complaint received 2023-03-15
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. (FL)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously disputed this account XXXX XXXX  Account # XXXX Amount : {$140.00} on XX/XX/2024 ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX ID # XXXX on XX/XX/2024 at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (NJ)

To whom it may concern : I sold a XXXX XXXX XXXX to XXXX in XX/XX/2022. If I had owed you money on the vehicle, how would they be able to receive the title and sell the car if I didn't pay this loan completely off. you received over {$27000.00} for a {$14000.00} loan and still trying to get more, and I will not be paying it. I would like you to remove this account from my credit report immediately, or I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general.
Consumer complaint received 2020-11-10
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-12-14
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. (FL)

XXXX XXXX has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XXXX I was alerted to a derogatory entry in my credit report by XXXX. I immediately filed a dispute : XXXX. Several hours later XXXX chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to XXXX cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing XXXX XXXX XXXX BILL PAYMENT Debit - {$1400.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1400.00}
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (IN)

I made my first payment with this company. When the second payment rolled around, I called in to see what payments extension options they had for COVID related issues. I was informed that they would push my current amount due out for 60 days and assured me there would be no payments reported late. Unbeknown to me, I checked my credit reports recently and saw that they in fact did report my payments late and that they are not even recording my initial payment as being paid on time.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am not filing a complaint against the merchant, I am filing a complaint against Capital One Bank ; Over a short period, I have paid the merchant a total of {$1100.00} to repair the engine in my vehicle, on XXXXthe merchant recieved 2 payments for {$120.00} and {$20.00}, XX/XX/2021 {$29.00} and {$42.00}, XX/XX/2021 {$400.00}, XX/XX/2021 {$300.00} and {$25.00} XX/XX/2021 {$35.00}, XX/XX/2021 {$120.00} and the last payment on XX/XX/2021 for {$45.00}. Upon getting my car back, it was worst than before ; Ive discovered my electrical system was all screwed up ; when Ive questioned the mechanic about repairs he stated the car already had electrical issues, but Ive. Ever experienced electrical issues prior to bringing him my car, Ive came to the conclusion the mechanic tampering with system is a money making tactic he use to get over his customers, especially with women. He wanted more money to repair electrical issues, but Ive declined additional service, and told him I will take car to commercialized establishment and have car inspected and that all I wanted was a refund for devices not rendered because my engine was still smoking in addition to electrical issues, he stated he will issue refund for trouble, but I have never redo it as of yet, by the time Ive attempted to request refund on XXXX XXXX he deactivated account, Ive attempted to contact him via phone/text but his number was disconnected, on XX/XX/2021 Ive called my bank ( Capital One Bank ) to explain situation and dispute transactions, the customer service agent that my refund would be issued within 10days after review ; shortly after Ive recieved and email stating they were working on my claim for the amount of of {$1300.00} which were a little more than what I have reported claim # XXXX they stated they will contact me shortly after review ; Almost a whole month has passed and still I have not heard back about my claim. On XX/XX/2021 Ive called Capiital One Bank to check on status of claim and I was told that my claim was denied due to not being able to contact merchant, Ive asked the agent, that could have been communicated through email, the. He apologize for inconvenience. I am very upset and frustrated with how the matter has been handled, due to fraudulent acts of the merchant and incompetence of Capiital One Bank ; I have lost over {$1000.00}, I wish to have my account credited for the inconvenience, I have been a loyal banker with Capiital one Bank for over 3 years now and they have not resolved my issue, I am very turned off from this bank, I am not pleased with the service ... .all I want is my money reimbursed back into my checking account, thank you for your time
Consumer complaint received 2022-09-02
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: ONLINE Information Services, Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights.

15 u.s.c 1681 section 602 A : states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Credit card provider ( XXXX ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts XXXX accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( XXXX ). I wrote to XXXX and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.
Consumer complaint received 2022-10-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intercoastal Mortgage LLC (NC)

We were working as a 3rd party construction company on a project financed through the following Loan Officer and entity : XXXX XXXX Intercoastal Mortgage LLC. 
XXXX XXXX XXXX XXXX # XXXX XXXX The Loan Officer on this loan repeatedly told us ( the builder ) and the homeowner that in order to get paid the remainder of our fees we needed to complete all work- including any out of scope - out of our funds and we would then need to submit an invoice for reimbursement. 

This went on for months ... and in excess of $ XXXX. 

once we submitted the receipt.. which were all approved by all parties.. we were told we would not be reimbursed because the loan can not fund these.. though we were forced to complete those to submit for reimbursement. the lender since then.. started disbursing funds to other without our approval or without proper notification. 

the LO has not responded to requests for answers. 


This lender has violated numerous minimum requirements for this loan and has operated in a ways that should not be tolerated in 2022.
Consumer complaint received 2023-03-15
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this complaint is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account XXXX XXXX XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trojan Professional Services, Inc. (CA)

I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I have attempted to reach out to the vendor regarding my balances and claims my balances was reported correctly but it is not updated on the 3 reporting agencies yet. I have contact the 3 credit reporting agencies and indicated balances reported have not been updated since XXXX. By my balances not correct is effecting my credit score. Please review and update information.
Consumer complaint received 2020-11-09
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. (FL)

My report is showing XXXX XXXX  credit card account as closed, when this account is still open. I spoke directly to XXXX XXXX XXXX today, XX/XX/20 and they confirmed the account is still open and they are reporting it as such. This goes to show how much Equifax reports inaccurate things on consumer credit reports and this should be illegal to update ones file without first verification and/or validation.
Consumer complaint received 2022-12-14
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

When reviewing my credit report online, I noticed an account that was in collection status under the name Ashmer Collection Services. I had no idea as to who, why, what, where or when this account was established. I received absolutely no written statement from XXXX or XXXX XXXX XXXX - XXXX, regarding this collections account. I called XXXX XXXX XXXX XXXX original debtor ) who which told me that they did not have me in their system at all for owing any type of debt. So I did what all 3 Reporting bureaus advise, that is to call the collection agency. ASHMER COLLECTIONS agency had no recollection of the debt, nor did it have my name or any personal identification information related to me whatsoever. Only after giving ASHMER COLLECTIONS agency, my name did I receive ( one week later ) receive a notice of debt in the mail, that was not from XXXX XXXX XXXX, as stated on ALL 3 Credit Reporting Agencies, but from XXXX XXXX XXXX XXXX  XXXX XXXX. I have attempted to dispute the debt time and time again with all three reporting agencies only for it to be removed, then again placed back on my credit report. This is the one and only collection debt on my account and its hurting me and my reputation severely. I want these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove all of my information from all CREDIT Bureau agencies AND THEIR systems IMMEDIATELY.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (TX)

I looked at my credit report and I noticed a credit card I didnt apply for under my name which is XXXX XXXX and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for XXXX back in 2018 account number ending in XXXX