davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment inXX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.
Consumer complaint received 2023-10-02
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX and Transunion are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX SC that is being reported by Transunion and XXXX be removed immediately. This account was opened in XXXX XXXX  2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.
Consumer complaint received 2024-05-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge Pite, LLP (AK)

That's a crucial discovery! If the loan history doesn't show any payments from XXXX ( XXXX ) to XXXX  XXXX XXXX, or any payments collected from default insurance or credit default swaps, it raises questions about how the loan was allegedly " fully paid off '' without your knowledge. 

This lack of payment history suggests that the loan might not have been properly satisfied or paid off, which could be a violation of mortgage servicing rules and regulations. It's possible that there was an error or fraud involved in the loan 's servicing or foreclosure process.

To further investigate, you may want to : 1. Request a detailed accounting of the loan from XXXX XXXX XXXXXXXX, including any payments or credits applied. 
2. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) or your state 's banking regulator.

3. Consider consulting with an attorney who specializes in mortgage servicing and foreclosure law to explore legal options. 

Remember, it's essential to persist in uncovering the truth and ensuring that your rights as a borrower are protected.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FREEDOM FINANCIAL NETWORK (GA)

I am a victim of identity theft. FREEDOM PLUS aka XXXX XXXX XXXX is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Affadavit Of Fact & Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by FREEDOM PLUS/XXXX XXXX XXXX that rebuts my position. 
While the burden of proof lies with FREEDOM PLUS/XXXX XXXX XXXX I am willing to pay any amount owed plus 75 % interest upon FREEDOM PLUS/XXXX XXXX XXXX presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

i tried to log into my users name at Bank or america i didnt know they licked my acct and they never told me this and to point out im on ss so the direct deposit check is in this bank for XXXX anyways something about i was complaining too much about a dispute i had with XXXX XXXX so i have funds available and all i keep doing is contacting them all i get is the run around in XXXX the person said ill get my funds in XX/XX/XXXX well XX/XX/XXXX already came and gone and i dont owe the bank so i want to know whats the delay i cant go down to a branch no transportation and the customer service reps said id receive a certified check in the mail date and month as said im XXXX XXXX XXXX and havent received 2 ss checks yes i informed the local social security admin so they know but dont know why this month ssa check wasnt sent so htis is about why im contacting you i tried i even contacted BOA on facebook so i get the run around there playing a transfer game all i want is my rightful funds sent to me i cant buy food or nothing seeing that bank closed my checking acct i wrote 2 checks to the land loard for rent guess what seeing both bounced like a ball i have to vacate my XXXX of 10 years so without funds you cant give a deposit or rent just tires of the bs this bank is offering ty
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank aka Biglots, has dropped th ball on so many things it hard count. They left me hanging and were glad to charge the interest after they didn't effectily notify me of the interest that I would be charged.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX il XXXX SSN : XXXX Experian Date XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information is in error : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX  XXXX, WA XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC (TX)

I am completely unaware of this debt you are attempting to collect. Proper notification was never provided to me, therefore I did not have a chance to dispute or address this alleged debt. Unless you can furnish proof that I was duly notified via certified mail with my signature confirming receipt, I must dispute the validity of this debt. Please supply the certified mail documentation containing my signature, or this debt will be considered unverified and disputed until you provide the required evidence that I was properly notified per regulations.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation
Consumer complaint received 2022-05-19
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. (TX)

Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times
Consumer complaint received 2022-05-19
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. (TX)

Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AR)

This was a debt collection last XXXX they contacted me asking to pay it off so I sent money orders to the collector and we had an agreement that it was paid off and now recently contacted me to paid it off i told them that i sent money orders to paid off the debt and they still want me to paid them even know i sent them the proof that it was paid off
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I believe that closing my account was a mistake. Im using paypal account for my online freelancing since XX/XX/2022. My account XXXX has XXXX XXXX stuck funds in it and I need to withdraw for my allowance and to pay my bills. Im hoping for your kind consideration Thank you XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-19
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNIVERSAL COLLECTION SYSTEMS, INC (GA)

Universal Debt Collections, through a proxy number impersonated an officer of the law stating that they were requesting permission to serve me with court summons, claiming a lawsuit had been filed to me. Stating the company of origin had filed the suit, and that I could settle out of court. When I chose out of court restitution he claimed to not worry about the company name on the charge, its just a third party processor. Which the number on the charge clearly is the main office number of Universal Debt Collections.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

These addresses are not valid for me. 

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have paperless billing on my credit card account and I recently obtained my balance and submitted the payoff amount to the credit card company, they cancelled my autopay since the account had been paid and they also issued a refund check for the few dollars that were leftover in the account. 3 weeks later I just happen to check on my account and noticed the applied finance charges to my account that I was unaware of, and I was almost going to be charged late fees on their finance charges on a credit card account that I had paid off in full. When I called to talk to them I was told that no they would not remove the fees and I tried to explain to them had I not checked the website I would not have know about the fees and they would have then charged late fees and finance charge fees on the finance charges they already assessed. I asked to speak with a supervisor and was told that person does not take any phone calls and they are strictly administrative only. I told them I was going to lodge a complaint that they seemed totally unbothered by it. I am just afraid they are doing this to other people too and I don't think its fair to get finances charges assessed to a creed card account that you paid off and that they cancelled the autopay for. 
The Credit Card Company is Capital One.
Consumer complaint received 2022-05-20
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: DISCOVER BANK (NJ)

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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (AL)

Upon obtaining a copy of my Equifax credit report, I noticed that there is an inquiry from an unknown source. This inquiry is one of nature that i did not initiate. I contacted Equifax on XX/XX/2022 to start a dispute or speak with a fraud representative. The agent that i spoke with XXXX stated that she could confirm that no account from this company has been open or reported on my credit report and that the only to have this inquiry investigated and removed was to submit a complaint or obtain a police report. I am submitting a formal written complaint as of XX/XX/2022 asking that Equifax begin an investigation into the inquiry that is reported on my credit report and to please remove this inquiry because it does not belong to me nor have I asked for any credit from this company. The inquiry in question is as followed : Inquiry : XXXX - Inquiry Date : XXXX Thank you in advance
Consumer complaint received 2019-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

XX/XX/2019 PLEASE READ ATTACHED. CONSUMER FRAUD. 
Contract says simple interest and it is 30 % interest!! 
I need a NEW CONTRACT written or a refund of my car payments and refund {$4600.00} on my trade in. 
This is illegal and a big mess and taking advantage of a senior-elder abuse.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I initiated a transfer with Citizens from XXXX on XX/XX/24. Money was withdrawn from XXXX but within XXXX hours of initiating the process, I got an email from Citizens that the transfer could not be completed. In the email, it says I should receive it back to my XXXX account within 3-5 business days and its been over 6 business days and I still have not received anything. In the email, it also says I have to call XXXX to request transfer be returned. I called XXXX and they said theres nothing they could do, everything is handled by citizens.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian, XXXX and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.