davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

I spoke to XXXX the manager and told him how I was having issues submitting disputes online for inquiries and an address that I never lived at XXXX XXXX XXXX XXXX. I disputed these inaccuracies as fraud and Equifax refused to investigate or remove them. After speaking to XXXX and requested that these items be disputed XXXX said he would send it for manual dispute. The next day I woke up and found my account blocked online and after the representative XXXX XXXX verified my information he said the supervisor said that my account is blocked and under investigation. So Equifax punishes me because the refuse to do their job. This is my fifth complaint and I would like the ombudsman to take a look into my complaints about this company and their incompetence. If unresolved I will file legal action against equifax.
Consumer complaint received 2022-07-21
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I was recently denied a bank account due to reporting from ChexSystems. I attempted to request my credit report, and the online system keeps denying my credit report request.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (FL)

I used XXXX XXXX XXXX XXXX  service for more than 5 years, I received my expatriate salary on my account, including my company. One day my account was deactivated without any precise information on the exact reason for the closure. 

I asked and contested the decision, and they keep it closed without giving a reason. 

I have a work contract as an expatriate from an XXXX company, I received my salary legally, I made the exchange operations and personal payments normally, for me, for my wife, for whom I needed to pay. 

Never have they come and questioned something, or asked for explanations of the movement. I could explain and prove all legality. 

They just closed and don't give a reason. 

I think at least one justification is a right I have to know why. 

XXXX XXXX XXXX XXXX XXXX XXXX email XXXX XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (CA)

Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment.

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal.

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/ I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/2023 saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
Consumer complaint received 2021-06-09
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. (NV)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2018-02-12
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. (CA)

This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX  XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX  XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (LA)

I purchased furniture at XXXX XXXX, XXXX, La. The transactions associated with this creditor were in my opinion, unprofessional, demanding, humiliating. My credit report is shot due to COVI., and unable to continue XXXX XXXX XXXX XXXX. 
I need to move out of my home and downsize due to my health. I can not do it due to my credit report. I am without a car due to my credit report. 

Hope to get this resolved ASAP. Thank You. See attached documents.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This regards CapitolOne. I paid off my balance last XXXX ( 2022 ). I directed them by letter to either give me a new account number out of fear there may have been some fraudulent charges to my account, or to just close the account. They did neither. Later, two monthly recurring charges appeared from websites I had unsubscribed to and CapitolOne allowed those charges when the account should have been shut down. I have called them at least three times, and I have written to them at least three times explaining the situation. Their only reply is an occasional letter telling me 'I still have options '' to make payments to them. They have never called or sent a letter that addresses my remarks. Currently, they claim I currently owe {$290.00}. This is just under {$100.00} for the two fraudulent charges they allowed, and late fees and an annual fee. This total will certainly continue to grow as they arbitrarily slap more late fees on it. In the meantime, because they have reported late and past due dates and fees, my credit rating has plummeted! I need CapitolOne to stop harassing me and fraudulently charging an account that should have closed 9 months ago.
Consumer complaint received 2022-04-30
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: ProCollect, Inc. (TX)

In accordance with the Fair Credit Reporting Act Procollect Inc Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also ststes a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit payment plan as late for and purpose.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-12
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. (KY)

I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.
Consumer complaint received 2020-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NE)

I was reviewing my credit report on XXXX when I noticed that i was placed in collections for a debt that did not belong to me. I contacted Central Portfolio Control and politely informed them that this debt is not mine. The recovery specialist was belligerent, rude, and hostile and told me that the medical debt was mine. I gave her my email address and asked her to send me copies of me signing for consent to be treated at that hospital, and all necessary paperwork showing that it is in fact my bill. The representative agreed to do so. It has been two weeks and the company has failed to respond to my request. Please help me to remove this false medical bill from my credit report because this bill does not belong to me. 
Thank you kindly for your assistance, XXXX XXXX XXXX
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXXXXXX due to incorrect information. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted. Remove immediately.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION (IA)

Sallie Mae debt collector called my work at XXXX on Tuesday, XX/XX/2019 leaving a message stating " it is really important that you call her back. She will be there until XXXX XXXX '' The same person called my husband leaving a message on his phone stating the same thing. He suffers from XXXX from serving in the XXXX for 11 years and does not handle stress at all. This just added to his issues. I am enrolled in the XXXX XXXX XXXX program and have been making all of my payments since beginning. I can not have them call my work. I can not have them call my husband.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (VA)

My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.
Consumer complaint received 2022-04-30
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. (CA)

N accordance with the fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (CA)

Following the Nordstrom promotional promise of {$40.00} statement credit just for opening a credit card account, I applied for this credit card. When the credit card arrived, I had called them on XX/XX/2020 at XXXX XXXX, and their representative XXXX confirmed this statement credit promise of {$40.00}, so I started using this card. 
However, when the card statement arrived, there was no statement credit. So I called them again on XX/XX/2020 at XXXX XXXX, but their representative XXXX refused to fulfill their promise of the {$40.00} statement credit.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Dear Sir/Madam, I had moved to XXXX XXXX XXXX in XX/XX/2017. From the day I moved in, I had issues. There were bedbugs and other weird bugs inside the apartment. I complained to management several times. They sent maintenance manager couple of times but he couldn't fix the issue. He said it's an old apartment complex and the bugs were coming from the pipes and A/C unit and there was nothing he could do. On XX/XX/XXXX, I got robbed. I also have police report and the report number is XXXX - Police told me that I was lucky to be alive. Next day I moved out as I was in big trauma. I had already paid the apartment complex the rent and I don't owe them any money. I told them about the robbery and I was traumatized which resulted me to live with my mom for a year until I recovered. This apartment complex is not a safe place and it is not providing a healthy condition to residents as well. My safety and life was in danger there. I owe XXXX XXXX XXXX nothing. They are misrepresenting facts and claiming an amount which I don't owe them.
Consumer complaint received 2019-11-15
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: EQUIFAX, INC. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.