davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MD)

Good day. I sent XXXX XXXX XXXX a debt validation letter requesting validation of the debt, and give them notice that the debt was not mind. They failed to respond back to my three requests for validation. NOW XXXX is reporting this on my credit files without giving me any notice of the alleged debt. I received 8 phone calls this week from XXXX, threating me of taking legal action.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

The mortage thru PNC Bank in question was on a home we sold thru a realty listing XXXX XXXX, was paid in full thru a closing attorney, and we have all documents showing so. Approximately a month ago started receiving notices that our home owners insurance had lapsed, and PNC would be adding Insurance to the property. Contacted PNC, they showed a balance due of {$30000.00}, so it went downhill from there. Nobody has an explanation, after several phone calls including with managers, say they will get back with me. They claim they are working on it. In the meantime, I have received notices of {$4000.00} owed to the most recent of {$7000.00} owed. I have received calls from their collection department as well as they have turned info over to credit bureau. The closing attorney has been in contact with PNC and at this point to no avail. The story is much longer than this, bottom line is we do not own this property as it was sold, mortage loan paid in full, I have all documents proving so. Tired of being harassed.
Consumer complaint received 2022-03-31
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civ

il liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the fo llowing findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairne
ss, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2019 there was fraud a with my account at TD Bank. They allowed someone to wire transfer over {$900.00} from my account. I notice it the same day and was told by the by the banks fraud department they could not stop the transfer. Afterword I was told that the only way I could get my money back was to make a police report which I did but TD Bank still did not refund my money. I have never made a wire transfer in the past with any of my accounts.
Consumer complaint received 2018-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I borrowed $XXXX from XXXX  on XX/XX/XXXX with a payment of $XXXX a month.  At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years.  I was told at the time the contract was for 24 months.  This company is taking out $XXXX bi-monthly, making me pay $XXXX per month.  When I called to pay off the loan I was told that I would owe the entire $XXXX   on the loan.  they did not remove interest ($XXXX)that had been assigned to loan.  As of today, after 71 payments of $XXXX  I still have a balance of $XXXX.   This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans?  Thanks,XXXX
Consumer complaint received 2022-08-11
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureau XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX . This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated. They refused to delete this alleged fraudulent account from my file. The date they have for this account shows opened XXXX XXXX, 2010. Having seen this it more than 10 years the alleged account reported. I am aware of FCRA laws regarding this type of matter.
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: High Performance Capital (NV)

Good Morning, I am filing this complaint on High Performance Capital. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau XXXX and as well High Performance ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to XXXX that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted XXXX and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III (CA)

I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CT)

I received a notification via XXXX XXXX that my credit score went down so I investigated. 
OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. 
I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. 
I am not in foreclosure and demand resolution. 
I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!
Consumer complaint received 2017-11-17
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. (CA)

I had my identity stolen in XXXX XXXX and a number of fraudulent credit inquiries appeared on my credit report. The only remaining credit bureau that has not removed these fraudulent inquiries is Equifax. I have called Equifax and they still have not corrected all fraudulent inquiries. Below are all the online disputes I have submitted to Equifax and still there is no action from them. I 've called the companies associated with the credit inquiries and they have sent Equifax multiple letters to remove the inquiries due to fraudulent activity. Equifax still does not remove the remaining fraudulent inquiries. 

Here are all the disputes I have filed to Equifax since XXXX XXXX and Equifax still fails to resolve this issue : XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Expired XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Mailed XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX Delivered Online XXXX COMPLETED XXXX/XXXX/XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I used the Experian website to lift a freeze on my credit report on XX/XX/XXXX, and received an online screen confirming the lift and was charged for the temporary lift. On XX/XX/XXXX a creditor reported that they were unable to process a credit request because Experian reported a freeze was intact. Experian provides no way to inquire or resolve the issue.
Consumer complaint received 2017-11-17
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. (TX)

I spoke with a rep after XXXX/XXXX/XXXX with XXXX. The rep advised that the request on XXXX/XXXX/XXXX was received and confirmed that my request was pursuant to my rights afforded by FCRA 611. The rep advised that although pursuit to my rights by FCRA none of the accounts included on my request were verified with my original contract or identification provided at the time of applying because those companies are n't required to do that. I advised the agent that per my rights afforded to me by FCRA credit reporting agencies held the responsibility to verify anything added to my report with the original contract. The agent then went to advise that although you did not complete your steps as a credit reporting agency you did not remove unverifiable accounts from my file. The information in response to my complaint it states, " For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. '' This does not correlate with the information provided by the representative who confirmed TransUnion did not get proper verification under FCRA 611 and provide me copies. It also does n't correlate with the representatives advisement that the accounts were not deleted.When i first reached out to TransUnion regarding a copy of my report and the proper steps to take regarding my disputes I was then advised that for public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly to FRCA and other laws thought were included with my report titled YOUR RIGHTS AS A CONSUMER. According to the information confirmed by your agent that had not been done and a copy of the verification documents ie ; original contract, proof of identity, and/or updated credit report was not received by mail.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MS)

I have a Bluebird American Express re-loadable debit card that I purchased from XXXX a few years ago. I had added my personal banking info on their platform so I could transfer funds from my bank to the Bluebird card. I primarily did this if one of my kids needed a debit card to make an online purchase, so they wouldn't have my actual bank card. Only what I deposited as there is no overdraft with Bluebird.

I went to check my primary bank account today and noticed unauthorized transactions from Bluebird. I made sure it wasn't lost or stolen. It's in my wallet right now. I haven't used it in a long time. I attempted to contact their customer service. The robot on the phone told me that my account was permanently suspended and to check my email. I checked my email and it said I violated rule 22 ( d ). Keep in mind, I have not touched this card in months. I have no clue what these unauthorized transactions are. Here is a list of the unauthorized transactions in order : 1. PURCHASE BLUEBIRD.COM XXXX GA CARD ( **** - you have asked to keep this private so I will just place stars here. These are the last 4 numbers of my primary debit card with my primary bank ) XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load XXXX. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$50.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load 3. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$2.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by XXXX XXXX XXXX Non-Financial Institutions-Stored value Card Purchase/load 4. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load This is a total of {$62.00} out of my primary bank from Bluebird that I did not authorize. Now my Bluebird account is permanently suspended and I didn't make these charges! I can't even speak with a person to find out what is going on. I just want to make sure that this is not going to continue to affect my primary bank account and that my identity has not been stolen or something. So I want is to figure out what is going on. I will be calling my primary bank as well to make sure they are not able to ACH anymore money out of my primary account. 

If there is anything you can do it would be so greatly appreciated! Thank you for what you do!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having 40 late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action.

Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

Yesterday my dad wire transferred {$30000.00} to my Coinbase account. It has been a full day and still haven't seen the money in my account. His bank says the wire went thru but it is still not in my account. I have al the documents to show proof. I have tried calling and submitting a formal complaint and have not heard anything.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.