davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the XXXX  from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (NV)

I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

This is my 10th complaint that I am filing against EXPERIAN. There were six [ 6 ] deleted inquiries from my EXPERIAN credit report after my disputes and now EXPERIAN is liable to compensate me with monetary remedy. By deleting the inquiries off my report, EXPERIAN is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EXPERIAN deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, EXPERIAN is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as EXPERIAN is liable by law to pay my invoice.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I mobile deposit a check from my employer to my Chase bank account back on XX/XX/2023. Two days later I was informed that my account had been closed when I called them they said that they were unable to verify that the check was made for me. I then provided them with two phone numbers to my boss the one that wrote the check but when I called them back they said that they were not able to verify the check and that my account would be closed and the check would be mailed out I had direct deposit set up on the account I have received that money but not the money for the check that I mobile deposit I have been to the branch and they were unable to help me because my account had been closed they said the only I could do is call their customer service number which I told them I already done that it's been 3 months and still no check I know they got the money from the bank the check was from so why haven't Received my check yet.
Consumer complaint received 2020-11-28
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)

There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX  report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Today, XX/XX/2023, I called Selene Finance LP, spoke with representative to follow up on my concern with letter I submitted to Selene on XX/XX/2023. 

Representative advised that on XX/XX/2023, when I called Selene that I did not agree with their Loan Modification Terms, Representative advised me to reapply. She explained that when I spoke to Selene this day they mailed me a new application and as of today, XX/XX/2023 I have not received any documents/application in the mail from Selene.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc. (WI)

I get a phone call from this company at least once per week. The message says 'we are a debt collection agency. Call immediately regarding an outstanding debt '. I have no outstanding debts!! I refuse to call this company back, because I think it is a scam and I don't want to talk to them. I went to the XXXX to look this company up and there are many, many such complaints.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ACCOUNT IS REPORTING DECEPTIVE, AND INACCURATE INFORMATION ON MY CONSUMER REPORT ALLEGING LATE PAYMENTS, AND DEROGATORY COMMENTS THAT CONTAINS INFORMATION REFLECTING TRANSACTIONS THAT ARE REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS AGENCY DECEPTIVELY ALLEGED VERIFIED INFORMATION THAT WAS DISPUTED ON THE ALLEGED CONSUMERS CREDIT RECORD THRU AN ALLEGED INVESTIGATIVE CONSUMER REPORT THAT WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE ALLEGED CONSUMER. THIS IS A VIOALTION OF THE FAIR CREDIT REPORTING ACT PER 15 USC 1681a ( e ) AND CAN NOT BE VERIFIED FROM A CREDITOR OF A CONSUMER. THE ALLEGED VERIFICATION IS FALSE.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TX)

I noticed that Credence damaged my credit by reporting information to all credit reporting agencies. I attempted to contact the company via USPS in an attempt to validate the debt ( SEE EXHIBIT 1 ). The company did receive my request ( SEE EXHIBITS 2 ). The company did not fully respond to my request and only provided an outdated billing statement ( SEE EXHIBITS 3 ).

I attempted a second time to request the information again ( SEE EXHIBIT 6 ) to properly validate the debt. The company did receive my second request ( SEE EXHIBIT 4 ). The company did not fully respond to my request and inundated me with multiple outdated billing statements ( SEE EXHIBITS 5, 7, 8, 9, 10, 11, and 12 ).

The company continues to refuse to properly validate the debt, which the negative credit reporting is a violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. 

I am requesting CFPB 's help in resolving this issue within the confines of the law. If the company can not properly validate the debt, then by law they must remove from my credit files any negative reference concerning the debt and cease any and all attempts to collect on the debt.
Consumer complaint received 2021-03-31
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my 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 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 2021-07-01
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: LendingUSA (NY)

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.. 



5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have been waiting since XX/XX/XXXX for Fed Loan to correct my PLSF payments. I should have 39 qualifying payments from XX/XX/XXXX through XX/XX/XXXX, yet Fed Loan is discounting 6 eligible payments from XX/XX/XXXX through XX/XX/XXXX. <P/>Initially Fed Loan stated that I was inadvertently in a paid ahead status that I never requested. Then in XX/XX/XXXX, Fed Loan incorrectly indicated that my payments were in forbearance. This is not accurate and I substantiated this fact to the Department of Education in XX/XX/XXXX. Additionally, as proof I have the verified Employment Certification forms that cover this period. <P/>Even though I have enrolled in the IBR plan and submitted the necessary documentation, Fed Loan Servicing is unable to bill me accurately and has changed the minimum required amount several times during the last three payment years, without informing me. From XX/XX/XXXX until XX/XX/XXXX, the statements indicated that the amount due was {$0.00}, yet I made payments. From XX/XX/XXXX until XX/XX/XXXX, the amount due ranged from $ 62.00- {$64.00} per month and I was penalized in XX/XX/XXXX and XX/XX/XXXX for paying the exact amount due! <P/>Fed Loan representatives told me that I had not satisfied the minimum amounts that Fed Loan asked for and that I had to make additional payments. When I followed these instructions, I was penalized again for being in a paid ahead status. <P/>I should not be penalized when Fed Loan Servicing fails to inform me of changes in my required payments and provides conflicting information in writing and every time I call for assistance. I had no choice but to use my best judgment and pay more than the statements indicated, yet Fed Loan Servicing still will not process these as eligible PLSF payments. <P/>FedLoan refuses to directly respond to my query but instead has referred me to their Ombudsman Office or Borrower Experience Advocate. These individuals tell me that they are still waiting for a decision from FedLoan. <P/>I believe that Fed Loan is mismanaging my PLSF payments and deceptively trying to cover up their accounting and administrative errors at my expense.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
Consumer complaint received 2023-01-18
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. (SC)

I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The XXXX is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.
Consumer complaint received 2021-01-25
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. (OH)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (GA)

This company keeps calling me about a debt that is over 8 years old. They threaten legal action in addition to threats of contacting my employer and any relatives they can find. 

Voicemail messages : ( in part ) XX/XX/21 XXXX XXXX " ... regarding an active order that been issued and filed against you. They have instructed me to contact your employer and speak directly with your supervisor ... once the case is discharged and filed, all of your legal rights to have this resolved will be voluntarily forfeit. Contact our legal office ... this is considered an official legal notice by phone. Until contact has been made, you will be located directly. '' XX/XX/21 XXXX XXXX " I am contacting you on behalf of judicial services. I've been instructed to contact your employer and speak directly with your supervisor as it does appear that will be likely a place of location and also make you aware they have issued an order to have you located ... '' XX/XX/21 XXXX XXXX " I've been instructed to get in contact with you in regards to the active order of location that is still in the process of being issued and filed against you. ... I do want to advise you that they're wanting to move forward with the original plan and have a new process of the premises of your employment or any relative homes that is listed in public record. ... This is considered your final legal notification by telephone. You can not say that you didn't have any prior knowledge of the case being filed. Further action will continue against you until direct contact is made. Good luck to you. '' XX/XX/21 XXXX XXXX A bunch of the same ... threats to locate my employer, my residence, and any relatives homes that have been listed in public record. 

They are calling my husband and I both during work. I have spoken to them. They refuse to mail me anything regarding the debt or give me the 'name ' of the business they are with, just that they are with 'judicial services '.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Starting XXXX XXXX  i ordered a toaster oven on amazon and returned it. they received it and shows that a credit is due and never got credited. i used my amazon credit card/synchrony bank and still not credited on either account amazon or synchrony. i have called, emailed, mailed, filed a dispute, gone online many times since XXXX, XXXX  to date and have been liied to over and over that it has been credited/fixed and nothing has been done. i paid all but the XXXX and closed the account, but still technically open and they keep charging me fees and interest totaling up to XXXX now. when an item is being disputed they can NOT keep charging interest and fees, its illegal. i have ran out of all sources and ideas in which to get this resolved. 
im a lender and i have many of my customers that also have the same issues with amazon and synchrony.

i have reported this to the XXXX  as well.

i have excellent credit and ill be XXXX  if it gets tarnished or sent to collections when i have proof it was returned and not credited, it shows it right on my amazon account, i have submitted so much proof and calls.
Consumer complaint received 2021-03-31
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. (TX)

XXXX XXXX has incorrectly reported that I had a past due status which I did not. My truck was completely totaled out by my insurance in XX/XX/2016. They are stating I was late which resulted in my credit score dropping 50+ on each side. I have contacted them and the credit companies.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have two complaints relating to BofA : 1. A Cashier check fee charged on XX/XX/XXXX for {$15.00} on my business account ending in XXXX. I should have free cashiers check yet a {$15.00} fee was charged. I'm requesting a {$15.00} credit as I should have free cashiers check. 

2. I paid off my auto loan first quarter of this year and have yet to receive any type of payoff or lien release for the vehicle. I can not sell or trade in my vehicle. I purchased another vehicle and was unable to trade in my XXXX XXXX XXXX weekend. This is an unfair practice that it would take 6 months to get a lien release? I want this lien release overnighted to me as soon as possible so I can sell my vehicle. 

XXXX XXXX XXXX Please have Bank of America provide a written mailed response to my home address on both of these issues.