davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
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. (NY)

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX  to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

TD bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Td bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (KS)

Received email purportedly from " XXXX '' ( sender i.d . represented as " XXXX XXXX '' ) this date requesting {$690.00} to cover a payment to XXXX XXXX XXXX. 

The email provided a customer service number ( XXXX ) to dispute this transaction. Attempts to contact Paypal resulted in a male answering the call as " Paypal. '' As I had cross-referenced the number before calling, I knew it was registered to XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. When I questioned the answering party about this disparity, the answering party, a male, quickly hung up.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE (UT)

Harassing Phone Call received from XXXXXXXX XXXX XXXX ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
XXXX XXXX XXXX is representing Barclays Bank Delaware, in an attempt to collect a debt.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (PA)

My XXXXXXXX XXXX account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. 

XXXX XXXX Remove these late payments immediately. This information is hurting my future and I will sue for every infraction.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

XXXX Amount : {$83000.00} Bank Response :, we restricted your account and may close it soon the check is pay to my business, and the sender is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mention to the bank about this check before i open the account, and the check was deposited on XX/XX/22, the fund was all availiable on XX/XX/22. 

The bank have put a hold on the account, I have try to solved this issues with chase, but right now, they mention that, they did received the funds, but they need to talk to the sender, in hard for them to contact this university and now that the chase have taking out my funds and holding itself.
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

We filed a bankruptcy over 15 years ago, and a XXXX XXXX card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ( XXXX ) they sent us a letter for collections purpose, I sent them a Drop Dead Letter soon thereafter, we had never heard from them until today XXXX ( Portfolio Recovery ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-29
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. (MI)

I am contacting you because XXXX, Equifax, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL reporting inaccurately and these COMPANIES is still continuing to report errors on my credit file, which is causing damage to my credit file! Equifax, XXXX, XXXX advised me that they verified XXXX  XXXX Bankruptcy, using my XXXX XXXX  Public records! XXXX XXXX did advise that they are not reporting this information. So how is these companies verifying these accounts? They are VIOLATING all of my rights according to 15 U.S.C 1681 section 604 A I have the right to privacy! 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is INACCURATE.

I have previously requested that you investigate this information and you have FAILED to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : 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
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DE)

Nelnet is still reporting student loans that were transferred to XXXX on my XXXX credit report. I disputed with XXXX and they say Nelnet says it is valid. Which I have emails that prove otherwise.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (AR)

XX/XX/XXXX I called Citibank North America ( CBNA ) to request a validation notification. I spoke with an CBNA employee & she informed me they can not send me any letters/notices about my debt account due to it being in the archives & closed. 

XX/XX/XXXX I called Citibank North America to speak with someone else about my debt. The CBNA employee said my account is in the archives & they do not have access to it therefore they can not send me a letter on my account debt. The CBNA employee also informed me my account is in the archives & closed at this time. 

XX/XX/XXXX I called Citibank North America for a second time this day. I request to speak to someone higher up. They denied my request. I asked to get a letter on my debt so can get it paid & off my credit report. The CBNA employee said my account is in archives & closed. They can not send me any kind of paperwork and any payment i make is voluntary. I asked the employee how do i get it off my credit because it is keeping me from getting a mortgage. The CBNA employee said i have to send a check but they can not send me any paperwork because my account is from XX/XX/XXXX and closed in the archives.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Equifax sent another letter dated XX/XX/20 claiming they do not have a credit file on me so they can not investigate. I have sent their requesting information 4 times, and they continue to send the same letter. 

Then ( attached ), they sent an email on XXXX stating I needed to submit my claim online when I do not have to use any special form or online process. 

Attached you will find the credit file they sent me prior to sending letters stating they had no credit file on me. Following that credit report, you will find all my attempts to resolve the matter they continue to ignore. 

It has been over 30 days and it is false they have no credit file on me when I have attached the file they delivered before my dispute requests. They must delete the negative items I mention in all 4 of my letters.
Consumer complaint received 2021-10-03
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. (NY)

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual.

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX  XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Consumer complaint received 2022-11-23
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)

I disputed and the XXXX sent letter to CitiCard for explanation. The document show " Offer type '' XXXX, XXXX, however both Citicard and XXXX still charged me {$57.00}. Here is the problem : -- -- -- -- -- -- -- -- -- XXXX azure advertise " free Text to speech if open account with them '' or {$200.00} credit. I opened an account and testing on XXXX " Text to speech app ''.. However, they charged me to total $ XXXX {$21.00}. As soon as I realized the first {$35.00} charged on XXXX XX/XX/2022 I cancelled the account and disputed. The dispute is unsuccessful ; my Citibank credit card still accept the cost. XXXX XXXX continued the second charge {$21.00} on XXXX XX/XX/2022. I believe it is unfair and misleading adv. Please investigate to protect other consumers from XXXX XXXX at XXXX XXXX XXXX, specifically for their misleading advs such as XXXX Acounts and XXXX other services free always ....
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (FL)

i keep getting netspend acct cards sent to me i call and they say i have multiple accts not to worry if i never opened or used them thats bull this is apersonalized card with my nmae on it this one i recieved yesterday i get all my mail sent to genaral delivery at edgewater post office because i have serious concerns my ex boyfriend and his girlfriend other prison gang memebers stalking me commiting mail fraud bankj fraud medicaid fraud ebt fraud this piece of mail has been fowarded to general delivery from an old address as in several addresses ago XXXX XXXX XXXX XXXX XXXX port orange fl XXXX i do believe this address is whgeer a lot of them live they have a lot of mail boxes outside and the XXXX XXXX i s a house i think house next door is also using XXXX as address there all scammers over there on thta compound but i have calleed netspend several times i never opened sany accounts with them and i iont care if it says none have been used i didnt open them they shouldnt exists and these people arent having these cards for nothing someday theyll get buste dfor whatever it is they are doing but i want nothiung to do with it
Consumer complaint received 2022-11-23
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. (OR)

Investigation from XXXX XXXX  resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XXXX so far has also gone without response.
Consumer complaint received 2019-12-06
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: EQUIFAX, INC. (NC)

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-05
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. (NC)

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual. 

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, TRANSUNION, AND XXXX my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (WI)

I recently checked my credit report and found an inaccurate reporting of a company being published on my credit report. I reached out to to the major XXXX credit Bureaus and ask that this account be verified with the original contract for the account in question. The account still hasn't been verified and is still being published on my credit report.