davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-11-16
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. (TX)

On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/. 

As of today, XX/XX/, this error is still being reporting as it previously was on on my profile ... in error.
Consumer complaint received 2021-04-15
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: Shellpoint Partners, LLC (MD)

On XX/XX/XXXX I was denied for a mortgage loan to do a " Charge off '' account being listed on my credit report. According to the credit report this account was open in XXXX and status was updated in XX/XX/XXXX in the amount of {$44000.00}. The balance according to the report was updated in XX/XX/XXXX. I have called the mortgage company listed on the report and they have no record of me ( address, phone number, account number, SSN ). They told me there is nothing they can do about it. XXXX has closed my case as well. They said if I can present them with an account number they can help me. However I only have the partial account number listed on the report. I have no further information.
Consumer complaint received 2021-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I live in XXXX XXXX, VA - On XXXX, XXXX. I contacted NetCredit.com for a {$4200.00} loan with auto-repayment of {$110.00} twice a month. Since COVID-19, I called NetCredit and asked why did they take three consecutive payments in XXXX, XXXX during a global health and financial pandemic. They then explained to me that I owe another {$4100.00} dollars, I told them that is not what I agreed to, I only borrowed {$4200.00} ( 200 % interest fee ) and that's what my contract indicated. Since XXXX, XXXX, I have made a total of 41 payment of {$4700.00}. 
I had fulfilled my loan repayment obligations, but instead of coming to an agreement to Cease and Desist with multiple communications, NetCredit has started reporting me to all the Credit Bureaus to ruin my credit/FICO scores. I am at my wits end to end the harassments and threats to continue to report me to the credit agencies. Please send my complaint to Attorney General XXXX XXXX against NetCredit. They are still operating under predatory lending principles. There contract is confusing and very deceptive. I am fearful that I will loss everything. 

Sincerely, NetCredit Victim
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

on XX/XX/19 I discovered that there was a collection appearing on my credit report and I went to the free annual credit report website and easily secured my reports from XXXX and XXXX, filed a dispute and the item was deleted in less than 24 hours. Not so with Equifax. They keep showing a screen saying my report couldn't be shown online and direct me to request the report by mail. 

This is an obvious excuse not to comply with the law. I want that incorrect information removed from my report now and not the couple of months it would take by snail mail.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been contacting Transunion since XXXX XX/XX/XXXX to removed my credit freeze for 2 days for my mortgage company to pull my credit. The weekend went by and no prevail, called 8 times on XXXX XX/XX/XXXX and spoke to 5 different people whom all said they removed it just to again have no prevail. Called again today and spoke to XXXX and requested a manager because after speaking to 6 people ( she is # XXXX ), I am highly frustrated, disappointed, disgusted and in awe of this process. She did not send me to a manager and requested to fix it herself and saw that I verified my identification less than 24 hours prior and I informed her to just remove the entire freeze because of their unprofessionalism and unwillingness to assist, this may make me miss my closing date and I may lose my home I was purchasing. Even their online site has been down since I've known in XXXX and won't let you place or remove a freeze as it only says unknown. Someone needs to revamp Transunion as it's causing issues with keeping someone out of our accounts as they don't help with removing freezes in an appropriate time and no one should have to call that many times or speak to that many people to get one thing done.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried making payments from my Capital One 360 account to my vehicle auto loan back in XXXX XXXX and XXXX of 2021 to my capital one auto loan account. They sometimes would misapply payments made from the checking account to the auto loan account saying they had no knowledge of the transactions.
Consumer complaint received 2019-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (NJ)

The medical bills were paid off. This company tried to state I still owed funds. I showed proof it was paid off and it was XXXX off my report. Now they are coming up with another amount that is owed. You can check in the passed few months of what occurred to show proof that it has been paid. When I spoke to the company they were very rude about the situation and was unprofessional about resolving the situation.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX  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 statement did not get to me.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America erroneously and feloniously stole U.S. Currency from me in the amounts of XXXX XXXX XXXX-XXXX  Dollars and XXXX Cents ( {$30.00} + {$330.00} ) and subsequently closed my managed, checking account. I ask that you intervene and assist in resolving. 
On XX/XX/XXXX, my now closed, Bank of America had a checking account balance above {$4.00}, and not more than {$5.00} On the same date, I transferred a total of {$58.00} from my XXXX account into my Bank of America checking account. ( See the attached proof ) Subsequent to the transaction, I went to a Bank of America ATM, proceeded to withdraw the {$58.00} ; yet, the Bank of America ATM advised me that my balance was XXXX. The ATM also advised me that by withdrawing I could overdraw, which was not accurate because the {$58.00} was transferred into an existing balance of {$4.00}, which would bring the balance to $ XXXXso, by my withdrawing {$60.00}, the balance would have been $ XXXXthis equates to no overdraft and the {$30.00} overdraft fee that Bank of America has charged becomes erroneous and an act of theft. Bank of America must reverse the fee. 

Moving the saga on, prior to all of this I had an ongoing dispute in the amount of {$330.00} against a merchant named XXXXBank of America has been informed of the merchants acknowledgement of my cancellation of the order ; yet, Bank of America has closed my account and has not informed me why my funds have not been returned. ( See attached proof )
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC. (OH)

When you send the validation letter, please provide to me what i request for the start of this whole mess. 
1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect the debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the agreement : Kindy provide a copy of the signed contract or agreement, that demonstrates my obligation to pay this debt.

5. Documentation of your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant State and Federal laws THANK YOU
Consumer complaint received 2022-10-11
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. (LA)

Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2021-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021 I sent Experian my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MO)

XXXX XXXX CRA is reporting an inquiry submitted by Jpmcb Card for dates XX/XX/2020. I did not authorize or give permission for Jpmcb Card to pull my credit for that date or any date. Therefore, I am requesting that Jpmcb Card to update their system reflecting this information and send to XXXX XXXX to have this inquiry removed immediately.
Consumer complaint received 2022-09-26
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX  XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-26
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: Bread Financial Holdings, Inc. (NJ)

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my XXXX Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a XXXX complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (DC)

I have applied for Public Service Loan Forgiveness with the company Fedloan Servicing. I received a letter from them in XXXX confirming they had received my application and would review it. The letter provided an account number, URL, and a telephone number for getting updates. I tried using their web portal to access information, but could not log in. I have tried calling the company for an update about the application at least half a dozen times. Each time, save for one, Ive waited on hold for half an hour. Only once did I manage to get a person on the linein that instance, she said she couldnt find my account number, transferred me, and then I waited for 40 minutes before giving up. 

I need to know if I will have to restart payment on these loans in the new year. Ive been a dedicated federal employee for over 10 years and am deeply frustrated with how inept this company has proved.
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: U.S. BANCORP (AK)

I Who bank information has been leaked by the bank, was trying to get a debt consolidation loan. not only washtingn state XXXX, so did XXXX Washington state. before i even get in the bank people is calling out my info, not the bankers the customers. when i applied for credit card that said i did qualified for it and now 2 months later they wet fro XXXX to XXXX  unless one of te bankers lied. said i qualified for it. on day f application a XXXX and banker saying XXXX word and banker said don worry we wont him get it, we trying to start a race war with him. red line. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX wa us bank mortgage. then yall keep locking my account for no reason so i wont make payments despite meeting the standard ad requirements they denied me cause of my real XXXX not XXXX op XXXX race. 

i know y'all XXXX XXXX XXXX claim y'all want war but y'all need to feed nd absorption profile my system first. that a simple fix.
Consumer complaint received 2021-08-24
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. (LA)

Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}
Consumer complaint received 2019-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

PRESTIGE FINANCIAL SERVICES INC is continuosly attempting to collect a fraudulent debt by placing said debt ( account number on credit report # XXXX ) on the credit report of XXXX XXXX ( last four ss # XXXX XXXX. This alleged debt was settled in a court of law 3 years ago ( judgment attached ) yet PRESTIGE FINANCIAL SERVICES INC continues to list this fraudulent account. PRESTIGE FINANCIAL SERVICES INC hereby agrees that XXXX, XXXX can take immediate legal action if this alleged debt is not removed from the credit report of XXXX XXXX within 7 days of receipt of this complaint.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AL)

I had a charged off credit card with XXXX XXXX Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XX/XX/XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XX/XX/XXXX.