davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Capital Accounts, LLC (MS)

CAPITAL ACCT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 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 further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (SC)

Gateway mortgage company was the servicer of a mortgage I obtained in 2016. Last year, during XXXX, I was told that my mortgage was in forbearance. However, I still made every payment on time. Gateway sold my mortgage to a different mortgage company. When the interest rates dropped really low this past year I attempted to do a refinance. At this time I found out that my credit report was showing XXXX late payments when my mortgage was with Gateway. I have reached out several times to Gateway to have this corrected with no success. I am now in the process of seeking legal advise to remedy the actual damages that I incurred by now being able to refinance at a lower rate and for having misinformation reported to the credit reporting agency.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

I've attempted numerous times to call and was directed to mail and/or send my request through the website which I've tried both countless times. 

Incorrect addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( 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 in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-26
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: U.S. BANCORP (IL)

Fraudulent charges were made to our card and a new card is being issued. Our current card is now cancelled but the card won't arrive for 2 days. We have purchases we need to make on our credit card tomorrow but we now have no way of making them. We asked to have the new card overnighted but were told that is not an option. We also asked if we could be provided with the new card number through a secure method of communication but were also told no.
Consumer complaint received 2019-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

hi iam making a complaint with bestbuy for a tv promotion i have bought a tv with my credit card and i been making my payments but just to find out yesterday i call bestbuy credit card customer service and ask them what was my tv balance they say {$630.00} they never apply my payments to my promotion they apply my promotion payment to the balance of the card and now it say that my promotion balance is {$630.00} so i tell them to take out the balance money to puted in the promotion they say they could do it so now they tell me to make another pay and that they was going to apply on the promotion i dont even believe what they say so i see somebody with the same problem so i contact CFPB would you help please i would like to make a compalint to get all the XXXX dollar apply to my promotion or going to sue them because this is a scam from bestbuy  lets all complaint deceptive billing
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, XXXX XXXX Balance {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cawley & Bergmann, LLP (NJ)

Cawley & Bergmann contacted me demanding payment owed to XXXX XXXX aka XXXX XXXX XXXX and they quoted the beginning balance is due. The beginning balance goes back to the original lender XXXX XXXX XXXX. The written demand for payment indicates no payment since 2016. Which is absolutely not true! I expressed this to the customer service agent and I told him I would contact XXXX XXXX to discuss it. He stated that they will just refer me back to him. I requested a letter in writing and what I received is what is indicated above, which is the wrong information.
Consumer complaint received 2021-08-03
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. (CA)

There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (IA)

This is a record of my transactions with Cascade receivables managment LLC. 
In XXXX of XXXX I received a letter from Cascade claiming I owed a debt to them for a medical procedure I had back in XXXX. I contacted them by phone and spoke with them. I explained that I was sure I had paid the balance down to nothing. I then looked through old receipts until I found a screen shot that showed the account no in question had been paid in full. The screen shot is from almost a year after I had the medical service which corresponds to the fact that I had been making payments on that account until I had paid it off. I provided a copy of this to them in an email sent to one of the managers that works for Cascade.The email was dated XXXX XXXX. They never provided any response. On XXXX XXXX they called and acted as if I had not been in touch with them. They were attempting to collect the debt all over again and asked for payment. Cascade has not been able to provide any official record of the debt, and are asking for payment on an account that I can prove has a XXXX  balance.
Consumer complaint received 2021-10-26
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)

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 110 days or more since my last request without any response. These items should be promptly deleted from my credit report. This is affecting my search for housing. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2022-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NE)

I made a purchase on Pay Pal with their pay in four payments plan. I never received the item. I disputed the charge with them. They denied the claim 10 minutes after I had filed it. There could not have been any investigation done at all. I have continued to try to contact them up until a week ago. I have also requested them to only contact me through US mail and not email or phone calls. They have sent 17 emails and 8 phone calls since.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on NATIONAL RECOVERY AGEN XXXX Balance {$120.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (TX)

Pro Collect Inc. has furnished and reported information without my consent. They are falsely reporting an alleged debt from The XXXX XXXX ( an apartment complex ). To whom, I do not owe any debt. Under federal consumer laws, ProCollect Inc. does not have any rights to say or report that I owe a debt. I have sent this company 2 affidavits in which they only responded to the first one, with the information I attached in this complaint. The second affidavit on XX/XX/2021 they did not respond. This company is in violation of the federal credit reporting laws listed below : 15 usc 1692 ( b ) 5 15 usc 1692 ( b ) 2 15 usc 1692g ( a ) 2 15 usc 1692 ( f ) 1 15 usc 1692g 15 usc 6802 In the files attached to this complaint, these laws and how they are in violation, are explained.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

Two months ago, I made an extra payment toward principal. My servicer, Nelnet, has a check box that says " Do not advance due date '' if you want to make a payment toward principal. I selected that box. They did not apply it toward principal and instead advanced my due date. I called and they corrected the problem and told me they corrected it for future ones too. 

A month ago, I made another extra payment toward principal and again selected the checkbox that says " do not advance due date. '' Again, they advanced my due date. 

They are systematically disregarding the " do not advance due date '' checkbox, which requires me to call each time. I have no idea if I am being charged interest in the meantime.
Consumer complaint received 2022-08-03
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2021-02-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Instarem PTE Limited (TX)

I initiated transaction to convert USD to CAD via " Instarem '' subsidiary of XXXX XXXX. 
I initiated transfer on XXXX at the time of transaction expected delivery time was 4-5 Business Days. 
XXXX XXXX was added as Payee on my XXXX XXXX account and Transfer was executed on XXXX XXXX. 
Since then " Instarem '' status on the transfer is Awaiting Payment. Even after repeated follow ups status us still the same as of XXXX Every time I follow up they provide me with template answers.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Signature Bank (NY) (NY)

On XXXX XXXX, XXXX Sunday I mailed a check to my sister for {$100.00}. It was fished out of the mailbox with sticky mouse traps and the check # XXXX name and amount was changed to {$12000.00}, The transaction went through the Signature bank Friday XX/XX/XXXX, XXXX, and I reported the theft to the bank by phone ( XXXX ). Monday XX/XX/XXXX XXXX the bank called their Fraud dept. 
I made a report with the Attorney General 's office. I made a report with the NYPD ( XXXX ), XXXXXXXX  They are well aware of this issue. 
I made a report with XXXX XXXX  ) ( XXXX ). 
Today XX/XX/XXXX. Signature bank, was able to reverse the transaction of Check XXXX and my money was returned. I was lucky and vigilant but people are being separated from their money with this con game. I spoke to my Postal delivery lady today and mail Theft is getting out of hand. They are breaking into Postal boxes in the apartment bldgs. One person
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-08-12
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. (GA)

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXhas 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 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-04-19
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. (CA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 2 months and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (LA)

I DO NOT OWE AFFIRM!!! I DO NOT CARE IF THEY TOLD YOU THAT I DO! I DO NOT!!!!! I WENT THROUGH XXXX  AFTER I WAS GOING TO GO THEOUGH AFFIRM I DECIDED XXXX  WAS THE BETTER DEAL. I CALLED XXXX  LIKE THEY SAID AND CONFIRMED THAT I RID NOT PICK UP FOR AFFIRM! XXXX  ALSO SAID THAT AFTER 3 DAYS THEY OF NOT PICKING UP THEY CANCEL THE ORDER
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. 

The bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. 

Your agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this " Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. 

I would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. 

Thank You XXXX XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (FL)

1. I start a lease application I never completed, but my guarantor did. I never pay the Application Fee neither deposit ; I never signed neither complete the documents. The signature they have is my name that the system Auto-Filled once I open the box to review the info of the lease and stop the process from completing.

2. They told me that if I did not pay the Application Fee before XX/XX/XXXX, I wouldn't be with any responsibility for the lease.

3. On XX/XX/XXXX, without me paying anything ( application fee, or deposit ), neither completing the signing of the contract, XXXX XXXX charged me with {$2000.00} by phone.

4. On XX/XX/XXXX BYL Collections send me a bill without any description of what was for the amount were XXXX  had assigned me a total balance of {$40.00} for XX/XX/XXXX to pay. I thought it was the entire balance I have to pay to end the misunderstanding and not the previous {$2000.00}. I paid the amount.

5. On XX/XX/XXXX, BYL collections agency to contact my brother without billing or contacting me first to notify me of a new total balance of {$3800.00}. Saying that because they had received a payment of {$40.00} in XX/XX/XXXX, they were authorized to charge this new debt. They hurried him to give his credit card information by phone. They had called him three times now.

6. I have never received a call from BYL collections stating the amount they tried to charge to my brother. I never received, even though I asked for, a proper bill stating the debt they say I have with them in XX/XX/XXXX. Neither the bill from BYL I received on XX/XX/XXXX stated as balance the amount of the three months they argued I owed them by that time. They misled me with an undescribed payment of {$40.00}, and now they are claiming that is the payment that makes valid that I had a contract with them and that I owed them {$3800.00} until now.
Consumer complaint received 2022-12-24
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I, XXXX XXXX XXXX, have never had an account with Fifth Third Bank. I have tried multiple times to have the item removed, and the bank refuses to do so. I have also submitted multiple FTC.GOV ID THEFT reports. Nothing has helped. 

I would like the item removed asap.