davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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. (IL)

There has been information published on a consumer report that I never gave either company ( XXXX, XXXX  & Experian ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with Experian. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) XXXX XXXX XXXX XXXX ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  ( Reinserted into Experian )
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (TN)

Hello, I am filing a complaint about my recent debt collection ( from Performant Recovery Inc. ). I owed a balance to the US Treasury Department in the year of 2018 of XXXX. Started making payments to the US Treasury but soon fell behind in payments. Falling behind in payments with Us Treasury sent my account to collections. I was aware that this would happen due to missing payments. The remaining balance on my account when I went into collections was XXXX dollars. 

Sending my account to collections, I was also aware that the collections agency would apply fees to the loan. As of today the balance is XXXX and it has growing interest daily. I dont understand how they added over 1600 dollars interest fees. This fee is doubled what I owed the US Treasury Department which was XXXX dollars from the beginning of the loan. 

I have called the collection agency for a settlement price but they are unwilling to work with me. I feel that is company is taking advantage of me and what we can settle on a price for. The 2,000 plus dollars is an outrageous fee. 

Also, I am attaching a letter they send me every few weeks ago. Looking forward to hearing from you. 

Thanks,
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX Balance : {$36000.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXXBalance : {$1000.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$94000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2017, I took my car to ( XXXX ) XXXX XXXX XXXX to service my car for family vacation. The repair was not done correctly and my family and I was stranded 11 hours away from home. I paid another repair shop where we were stranded to address the botched repair and filed a claim with my bank, ( BOA ) Bank of America, to get my funds back from the original repair shop. I sent the original documents pertaining to the repairS to Bank of America for their review of my claim via express mail with tracking. After repeated phone calls for over a month to follow the status of my claim, BOA claims they never received the documents from me and that they needed to be resubmitted for consideration. I then faxed the documents over and tracked my original documents, only to find out that they were received and lost by BOA. BOA then sided with XXXX and retrieved the credited funds from my account, placing it in the negative. BOA stated that I could not appeal because I was out of time and that I would have to resolve the financial matter on my own with XXXX. BOA would not allow me to close any of my accounts and they have taken approximately {$3800.00} from my accounts to recoup fees and the negative balance. BOA stated that if I could prove XXXX 's negligence via financial compensation, they would waive all fees and credit my account with the {$3800.00}. I retained a lawyer to deal with XXXX and they reimbursed me for the botched repair at the end of XX/XX/XXXX. I sent the letter attached with the check to BOA AND deposited the check in my BOA account as proof of XXXX 's negligence and BOA refuses to credit my funds to my accounts. I WANT MY MONEY!!!
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.
Consumer complaint received 2018-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MA)

I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

Collection agency, Jefferson Capital Systems LLC, reports debt in the amount of {$5800.00}, with original creditor as XXXX XXXX on credit report. I have disputed the account through XXXX and XXXX, still no verification supplied. Original creditor has dissolved the company and I was unable to locate a past due amount with the company that took the open loans. I called collection agency on XX/XX/21 and requested details of the debit by mail but was unable to secure an expected time frame for the information. Collection agency stated they did not know when they could provide. To date I have been unable to receive any verification of this debt and my records and credit report show all loans were paid in full with XXXX XXXX, Jefferson Capital Systems continues to report the collection.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}
Consumer complaint received 2018-02-11
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: CITIBANK, N.A. (CA)

XX/XX/XXXX Open dispute complaint against vendor for refund of merchandise. Tried to work out with vendor prior. 
XX/XX/XXXX Received correspondence that complaint was closed as I still had merchandise. No further instructions given XX/XX/XXXX Advised bank that merchandise return along with proof XX/XX/XXXX Bank advised that I had until XX/XX/XXXX to respond. XX/XX/XXXX, did not advise of this. Thus my account was rebilled and no refund issue. Bank advises that case is closed
Consumer complaint received 2018-02-11
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. (FL)

I have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.
Consumer complaint received 2021-06-08
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: Bread Financial Holdings, Inc. (CA)

XXXX XXXX  XXXX - There are multiple errors in the listing that are damaging to me including high credit, date last of activity, the date of last payment and payment history. Please update for lawful accuracy or delete immediately. 

XXXX XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX  balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXXXXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

XXXX  XXXX - I informed you before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. You didnt investigate! And where is my proof of payment history? You have to go back and take this off!
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2021, I initiated a business checking account at Bank of America, account number XXXX. The account was opened on or about XX/XX/2021. On or about XX/XX/2021, I made a transfer of funds into the Bank of America account in the amount of XXXX. On or about XX/XX/2021, after calling Bank of America, I was told that the funds were transferred into my account at Bank of America, and that the funds will be returned to me in the form of a cashiers check within 7-10 business days. On or about XX/XX/XXXX, I called a local branch at XXXX XXXX XXXX XXXX, XXXX, CA and spoke with XXXX XXXX who after speaking with Bank of America customer service confirmed that the account was being closed ; XXXX XXXX stated that I need to call Bank of America on or about XX/XX/2021 to confirm the issuance of the cashiers check. On or about XX/XX/2021, I called Bank of America but I was unable to obtain any information about my account. When I called the local branch at XXXX XXXX XXXX XXXX, XXXX, CA on or about XX/XX/2021, XXXX took my information over the phone ; later, on the same day, XXXX told me that she spoke with the back office who told her that I was once again had to call Bank of America on or about XX/XX/2021. When I called Bank of America on or about XX/XX/XXXX. XXXX, I was told that the account was in the process of being closed and that no information about cashers check issuance was available, and that the closing process could take up to 30 days.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$580.00}
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I have used a " platinum rewards '' credit card ( Visa ) from Penfed Credit Union for 15 to 20 years ; its reward program has been based on points earned on purchases with credits based upon type of merchant 's business, i.e. 3 % of groceries, 5 % of gasoline, 1 % of all other purchases. Receipt of rewards in the form of prepaid debit cards had been obtained usually with a telly call to an XXXX number. Lately the telly # has been removed from the monthly statements sent to me and can now be accessed only by calling the general access customer service line and only after going through an elaborate security scheme will the telly # to the awards department be offered XXXX XXXX XXXX XXXX ). The last 2 times I called XXXX the 1st about 4 weeks ago, the latest XXXX XX/XX/2012 ) I was told that the personnel in the awards dept. were busy and would return my call " the next business day '' or " in 3 hours. '' No return call was received in either case. I believe my total points earned is over 11,000 and should be worth about {$100.00}. If Penfed has changed policies re their awards program no notice of any kind re such changes were ever sent me. My account has always been paid timely. I request that the CFPB investigate this matter and see that Penfed Credit Union honors its reward program as advertised.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX and I was involved in the Equifax security breach which included a change in my birthdate and some inquiries that do not belong to me at all, I called Equifax and they told me what to send it to change information, I sent in all the required information via fax just like they ask and I received a response back that they were going to update my information and remove the inquiries I ask to be removed this was back in XX/XX/XXXX. I recently viewed a completely updated copy of my credit report that was supposed to be updated from XX/XX/XXXX and it is not updated. I called Equifax yet again and they refuse to budge on removing the information and are requiring another copy of the same information I paid {$26.00} to have sent to them. I was not informed at all of the breach in my information, I found out when I got denied a loan that this was what was wrong with my Equifax report. I have called several times and can not get any headway with them at all, and I am not paying another {$26.00} to send them certified mail again when it was already supposed to be changed and I received the paperwork to have it changed. This is ridiculous. Because of Equifax this is having a negative impact on all 3 of the bureaus reports. I am upset they did not inform me my information was corrupted and that I had to find out on my own, and now they are refusing to budge and change the information to the correct information and remove the improper inquiries off my account!
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (IL)

Complete Credit Solution is reporting false information on my credit report for debt I do not owe. Credit Complete Solution is reporting on behalf of XXXX. I received a loan forgiveness and cash settlement from XXXX due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from XXXX in XX/XX/XXXX. XXXX was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, XXXX is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from XXXX. Why does Complete Credit Solution continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.
Consumer complaint received 2022-01-12
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: AFNI INC. (OH)

This is my THIRD time disputing the following accounts : -AFNI, INC. # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2022-03-01
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. (MD)

I contacted TransUnion on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.