davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

I had to close my account because of fraudulent charges and it took a long time to investigate and close my account. The delay made it look my payment was delinquent when I actually had a credit balance.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IN)

The attached collection notice was uploaded to me on a previous complaint. This notice was never sent to me. It is a false statement the company is making that this collection notice was ever sent to me. They had 30 days to send me a written notification of the debt, which did not happen. As well, I requested a validation of the debt to be provided and 30 days to respond to the validation request. This request was never fulfilled. 

Attached is the lease documents that the company provided in my last complaint to the CFPB. With these documents they claim that the debt is validated. Where in the documents are my lease break terms or any information pertaining to the validation of the debt? There is no documentation proving that this is a valid debt nor have they validated the debt. It is a fraudulent debt and any attempts by myself to clear this up with the company or Hunter Warfield has been met with responses related to, " We don't care, pay us. '' To say this is a proper way of handling a debt collection from beginning to end would be far from the truth.
Consumer complaint received 2023-08-13
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX : 1. ) XXXX XXXX XXXX XXXX - Account # XXXX 2. ) XXXX XXXX XXXX - Account # XXXX 3. ) XXXX XXXX XXXX  - Account ( No Account Number ) 4. ) XXXX XXXX XXXX  XXXX - Account ( No Account Number ) has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-07-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (IL)

XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A person representing or working for XXXX XXXX XXXX came to home looking for me. On XXXX a person pulled up to my home very aggressively and popped/lifted up her trunk and told the people that she was looking for me in a very aggressively matter. Her demeanor was as if she was going to cause bodily harm to me. The female started that she was looking for me and needed to serve me & while standing next to her trunk wanted to know when would be back. I called Portfolio Recovery whom told me that they had no clue what I was talking about.
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I have contacted WorldRemit repeatedly regarding my transaction number XXXX, for {$150.00} USD/XXXX XXXX dated XX/XX/2020, promised available by XX/XX/2020. It was never received in XXXX XXXX, XXXX, account # XXXX. ( Also my account. I am the sender as well as recipient. ) Your agency insists the funds were received, while it does not show up in XXXX XXXX records ( see attached statements for XXXX and XXXX ) in fact, they insist they do not even receive XXXX Transfers. However XXXX WAS a choice available on your website when I initiated the transfer. ( Although later on it was not. ) My receipt clearly indicates it was sent to XXXX. However, as I have mentioned to your representatives several times, the record of the transaction on your website indicates it was sent to a bank called XXXX. ( See attached screenshot, taken the week of the transfer. ) I believe this may have something to do with the problem causing the funds to have never been received. ( Incidentally, XXXX DOES receive international transfers. ) I have cooperated with XXXX XXXX representatives in every way, supplying proof that these funds were never received, contacting the bank, etc., everything they asked, yet they refuse to refund my funds OR cooperate further. Now, my account has even been disabled, which I feel may be a retaliatory action, and conveniently leaves me unable to get into my account to view the record of this transaction. Fortunately since your representatives had requested all this information, I already have all the information I need.
Consumer complaint received 2020-07-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Freedom Mortgage Company (AZ)

This month alone I have been contacted 3 times to pay my mortgage with freedom mortgage. I have ask them to stop repeatedly. My bill is due on the XXXX  and I have paid on the XXXX for the past 3 years. Every month. I get calls every constantly reminding me to pay. My mortgage is not late until the XXXX of the month. I shouldnt be getting this many calls from a company when I pay my bill and have for the last 3 years on time.
Consumer complaint received 2022-06-20
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. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 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 2023-03-17
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: Winklevoss Exchange LLC (NY)

In accordance with the Fair Credit Reporting Act, this creditor : Gemini/XXXX has violated my rights. Under 15 USC 1681 Section 602 I have the right to privacy. Under 15USC 1681 Section 604A Section 2 it states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B it states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

when i first saw this collection on all 3 of my reports for jefferson capital systems ( XXXX XXXX ) XXXX for amount of XXXX dollars- i sent out a debt validation letter to jefferson capital systems in XXXX XXXX never got a response back from them, i disputed this multiple times to all 3 credit bureaus and it came back verifed how can that be when they wouldnt validate this debt. still to this day i have not heard back from jefferson capital for validation. THEY NEED TO DELETE THIS COLLECTION from all 3 my credit report IMMMEDIATELY.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Discover bank never provide any proof transactions which one made not buy me Discover don't know how to investigate and proof the transaction is mine I explain to them but they just ignoring me and they just put it fraudulent transactions back to my account
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I phoned Capital One on XXXX XXXX, 2015 to request a PIN number for my credit card. The agent helping me accessed and changed my personal information related to my account without my knowledge. This is a clear violation of the terms of service that Capital One has perscibed in our contract. I called Capital One and they offered no assurances that my personal information could be safeguarded from that employee, only that I would be alerted by email if changes were made. They offered no resolution and said that they would look into the matter
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (UT)

XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened account with capital one around XXXX 2011, I do not remember well when. They issued me a credit card, once I tried to used I could n't. I called Capital One asking what happened and they told me that the issued card was a mistake they made, that they should it never give me a card because of my credit report. So my card was canceled or suspend it, without giving me the opportunity to use the card. 
Today they are reporting a charge off account for the amount of {$330.00} dollars in my credit report. Knowing the company it was their mistake, no mine. I said I own {$330.00} dollars of what, on fees. Why? I feel rip-off. 
I never knew I had that account in my credit report. I am very upset that they have included that wrong information on my credit file and its causing me a lot of stress and because of them I getting denied in everything. 
Thank you, XXXX XXXX
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. 
Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. 
I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC (MD)

My daughter called me to inform me that we received an official looking letter in the mail addressed to me that looked to be from a bank or financial institution and that it looked important. I asked her to open it and let me know what it was, and as she read it off to me, it appeared to be a threatening sounding letter from a debt collector trying to resolve an outstanding debt. After she read it to me, i asked her who its was from and she couldn't figure it out. I told her not to worry because we didn't owe anyone, and that it must be a mistake. When i got home I looked at it and determined that it was a misleading scam advertisement from Nationwide Debt Reduction Services that was sent to me because I simply have revolving debt, not because i have any debt that needs to be settled. I have outstanding credit, but this letter is written is such a way as to suggest that failure to call them within 10 days will suffer major financial hardship. I was able to figure it out, but it tricked and scared my daughter, and certainly would scare others into calling them. It is an outrageous and deceptive attempt to use fear to incite people into calling them. If this isn't illegal, it should be. Its simply wrong and should be stopped.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Hello how are you my name is XXXX XXXX and everytyme I ask for a dispute of the addresses on my credit it never gets deleted some of those addresses does not belong to me and some of them are old and is not supposed to appear on my history I ask for them to be disputed and my correct address that should be on my credit is XXXX XXXX XXXX. 
XXXX tx,XXXX My name is XXXX XXXX XXXX my date of birth is XX/XX/XXXX Can the old addresses be removed they are negative and incorrect thank you
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE AUTO FINAN In accordance with the Fair Credit Reporting Act You CAPITAL ONE AUTO FINANCE have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (DC)

I paid this creditor off ( XXXX ) {$260.00} in XX/XX/XXXX. This account has been paid in full and settled. I dispute this item 5 times with XXXX. Each time the Professional Bureau Collections of Maryland said this account is accurate. I reached out to Professional Bureau Collections of Maryland directly, a number of time. I was informed by a Customer service representative at ( Professional Bureau Collections of Maryland ). That they didn't care if I paid the account off with XXXX they want there money and will continue to report this item until I pay them. I offer to send documentation from XXXX and XXXX XXXX showing that this matter has been paid off. The representative said they don't care and they will remain reporting it on my credit as unpaid each month. Professional Bureau Collections of Maryland is a collection company ( XXXX XXXX ) hire to settle this claim. XXXX wireless reach out to me and I settled with them. They inform me after settled that the collection company will closed out the account as well. Which ( PBCOM ) never did .The company PBCOM are SCAM Artist COMPANY.
Consumer complaint received 2022-06-20
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. (NC)

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MacDowell & Associates, Ltd. (UT)

McDowell Associates requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
Consumer complaint received 2022-03-07
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: SYNCHRONY FINANCIAL (NC)

I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (VA)

I contacted XXXX XXXX XXXX XXXX XXXX with a request to change the way my prepayments are applied so that the full prepayment amount goes towards the highest interest rate loan instead of first being applied as a normal monthly payment XXXX first part of the payment is applied to the principal of all of the loans even though this is an excess payment ). This is causing me to pay more in interest than I would be paying if all of the excess payment went towards the highest interest loan. 

As stated in 34 CFR 682.209 ( b ) ( 2 ) ( ii ) I have the right opt out of having my prepayments applied as future installments ( see end for the link ). So far my prepayments have been applied to future installments to the point that I do not need to make a payment until 24 months in the future. At this point I would like to stop my prepayments from being applied as future installments and instead have my prepayments go 100 % towards the principal of the highest interest rate loan ( after fees and interest ). 

XXXX XXXX XXXXXXXX XXXX XXXX has told me that it is impossible to opt out of having my prepayments applied as future installments despite being clearly stated in the Act. XXXX XXXX XXXXXXXX XXXX XXXX has also not provided me with any documentation that shows that my prepayments have to be applied in this matter. The master promissory note that I signed does not mention anything about this. 



XXXX XXXX XXXXXXXX