davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.
Consumer complaint received 2019-10-29
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. (AZ)

This company XXXX XXXX XXXX XXXX Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXXXXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I canceled a subscription with a internet company called XXXX. A charge was made on my capital one spark business card. I tried to get the charge reversed through Capital One. They asked me to upload proof. I submitted emails from XXXX stating that they have received my subscription cancellation. Capital One refused to reverse the charge and sent me a letter on XX/XX/2022 stating that.
Consumer complaint received 2019-10-29
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. (AZ)

This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given  name ( XXXX XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.
Consumer complaint received 2018-01-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Requested the following accounts to be deleted from my credit report XX/XX/XXXX. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2022-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capital One Account : # XXXX Capital One Auto Finance is reporting 34 late payments on an account that is now closed and paid in full on my XXXX and XXXX XXXX XXXX. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Capital One Auto Finance is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written Capital One Auto Finance to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Consumer complaint received 2022-09-09
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. (NY)

I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX XXXX posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and SSN card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXXXXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: First Technology Federal Credit Union (GA)

I hold a checking account with First Tech Federal Credit Union with a running balance of {$7000.00}, to which I made a XXXX deposit of {$6800.00} and two XXXX  credit card payments of {$4200.00} and {$4600.00}, all ACH transfers. All three transactions posted to my account on XX/XX/XXXX. Because First Tech FCU 's processing systems chose to post the debits to my account before the credit, they returned the second XXXX payment unpaid, incurring a {$33.00} " return item fee '' to my account. This has happened once before in my multi year tenure with the bank, however they were able to reverse the fee upon request as it was a similar issue. This time however, even when I escalated the issue to a supervisor for review, they refused to reverse the fee, saying that in XX/XX/2020 they have increased their " return item fee '' by {$5.00} and also became more strict on not reversing them. They neglected to address the issue that their system could've posted the credit first, but did not. 

The bank charges me nothing when a debit card transaction is declined, because I have opted out of " overdraft protection ''. However an ACH decline, which is just as free for the bank to process, incurs an exorbitant {$33.00} penalty. This needs to stop.
Consumer complaint received 2020-10-09
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. (NY)

Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX  XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
Consumer complaint received 2022-03-14
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-01-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

Hello my name is XXXX XXXX. I am one of many victims who have been 100 % mislead or misinformed by an online predatory lendind institution engaged in illegal business called Big Picture Loans. Theyre a tribal institute supposedly located at XXXX. XXXX XXXX XXXX Michigan XXXX although after agressive research another victim reported them as operating out of the XXXX. I can not give you actuall dates as i can not bring up my account info, and cant contact them as they wont answer their phones. Shortly about a week before XXXX i responded to an offer via online to a preapproved money lending offer. Halfway through the online application i received and took a phone call from them. They stated that the app was approved and could have money in my account tomorrow. They stated there would be a {$120.00} finance charge. They didnt tell me there was an 850 % interest charge. Days later i received an e-mail with a breakdown of scheduled bank withdrawal payments. In re its going to cost {$3700.00} for a {$500.00} loan. I am currently seeking an attorney to get this issue resolved. These people should be stopped as they are scamming hard working people out of their money. With the advise of my bank i closed my account.
Consumer complaint received 2019-10-29
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. (AZ)

This company ( XXXX XXXX ) Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is  statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.
Consumer complaint received 2022-02-19
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. (NC)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX XXXX XXXX  # 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, STATE XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-09
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)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} 3. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is currently reporting XXXX  XXXX and XXXX  as verified and updated. While account is reporting as a reaged account. The opening date of XX/XX/2019 is not only inaccurate but also a violation.