davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One continued to deny me a credit card. They approved my XXXX card but canceled my Platinum card after one use and never explained why it was canceled. Then, I was approved for another platinum account then I was sent a denial letter with no explanation. 

I want Capital One to honor my application and approval of the platinum card and return it to me with the high credit line.
Consumer complaint received 2021-07-30
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. (MD)

The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date openedXXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account XXXX  : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX
Consumer complaint received 2021-07-29
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: CITIBANK, N.A. (CA)

Regarding CITI bank credit account in my name, I got a court order to prove the debt does no matter to me. I did forward the court order to CITI BANK by email on XX/XX/2021. I requested Citi bank remove adverse records from my credit history. 
Citi bank stated resolved in 15 calendar days. However, afterwards, Citi bank has been silent till now.

Citi Reference Number : XXXX
Consumer complaint received 2021-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (MA)

Because of a system glitch, my student loan provider executed an unauthorized payment against my student loan a whole week prior to my scheduled auto payment. As a result, my bank account was overdrawn and I incurred fees. I tried to get compensated for the fees and the servicer is requesting documents like bank statements showing the problem which are documents that can only be prepared on a monthly basis. I already sent a screenshot showing the payment made to them and corresponding charge. Because the snip can not include my name or bank information they are refusing to issue any kind of payment to make up for these fees incurred.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

For approximately one week I've received daily calls from Wakefield and Associates, XXXX and XXXX. I've asked to be put on their do not call list and told them I don't have any debts that are in collection or behind in payments.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

To whom this concerns, I initially fell behind my mortgage loan in XX/XX/XXXX because the company that I'd been working at for 8 years at the time got sold to another company and I was laid off. I searched for work but remained unemployed for 4 months thereafter. I finally found work in XX/XX/XXXX but was once again terminated shortly after in XX/XX/XXXX. I found another job in XX/XX/XXXX and shortly after, my husband 's health began to decline, which required me to pay close care and attention to him and also caused a strain on the limited amount of income we had coming in. I remained employed through my husband 's illness but he unfortunately passed in XXXX of XXXX which left me to pay for past due medical bills and funeral expenses which left me unable to meet my financial obligations. This journey has had an extreme emotional and financial toll on me and I have been working through it all to try to resolve the debt. I have submitted a full and completed short sale application to my mortgage servicer, and even though they offered me a short sale as recently as XX/XX/XXXX, they have refused to accept my application and still want to move forward with foreclosing. I have been through so much in the past 3 years and I don't want a foreclosure on my credit to be another thing that I have to deal with. I am working my hardest to get this resolved and need the auction to be postponed or cancelled so that I have the time needed to get through this process. Please help me.
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

USCB AMERICA keeps reporting multiple collections accounts on my credit bureau for an invalid debt. The amounts are due to accounting and billing errors by XXXX after a XXXX. I paid my copayments and deductibles and the reported amounts are due to billing/accounting miscalculations. Now USCB is reporting the info under four different accounts.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (LA)

This credit card account WAS not opened in XXXX is was opened in XXXX and the last payment and the made in XXXX. This company has brought the debt and it starting the time all over. Which is not to be done. Per Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency.
Consumer complaint received 2021-07-28
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. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NCD Financial, LLC (VA)

I have been with NCD Financial since XXXX of XXXX and have notice that there is a huge issue with the Update Your Payment Option. Many of times I have submitted my new Payment Option to just come back to the site and realize it still hasn't update at all. This has happen again but only this time impacting my Credit Score causing my Credit Score to drop over XXXX Points. I just check the site again as im typing this and again. The payment option still not corrected. This has greatly impacted my immediate life being that im in the process of purchasing a home and at the moment hindering me. Also according to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any of such yet a negative report were furnished on my report. Now under 15 usc 1981n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. All im asking is the payment option update process be corrected and this one time late payment be removed from my credit report.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (TX)

Incorrect information reported as a new debt on my credit report. This account was charged off & disputed as incorrect original creditor provided a prepaid service & charges should not have been there. Enhanced Recovery Company is reporting this as a new debt as of XXXX of 2019.
Consumer complaint received 2021-07-27
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. (MI)

accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2016-08-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (ME)

My account with American Express Serve has been locked and is " going to be closed ''. I called to inquire on the issue and they say that one of the transfers made to my account was fraudulent, I ask why they will be closing the account because one transfer was reported as fraudulent and they just say " because of our terms of service '', so I go on and ask how they will be returning my remaining funds to me and they say that all of my funds will be returned where they came from. My account was funded by account transfers from other people and they want to return the funds to those accounts even if they where NOT fraudulent in nature. The account transfers where made as payment to me and none of them where fraudulent in nature to my knowledge, even if one where they are saying that ALL of them will be returned even ones that are not reported as fraudulent.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: First Loan Choice (MI)

This company has been calling everyday and after I have talked to them they send emails. Im tired of harassing calls. Two emails XX/XX/XXXX and XX/XX/XXXX after I had just talked to them. They will at least twice a day.After I got the money I looked and seen how much interstate they were charging, which was bull XXXX 4x I pay back what I borrowed
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. The accounts that I am referring to are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2021-07-26
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. (TX)

I the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX XX/XX/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 XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-07-26
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. (IL)

there are fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2019 I was charged XXXX on my Sams club card with Synchrony Bank. I proceeded to call and find out what the charges were for. I let them know it was not my purchase. I have filed fraud charges with the cc company and every time I receive a letter saying I benefited from the purchase when I did not. The purchase was for 2 XXXX XXXX XXXX XXXX ( whatever that is ) I've been writing and calling now for almost 2 years to no avail. Now the charges are a grand total of XXXX and climbing. I have filed a police report and sent a copy to them. Have had no response. Please help. This has affected my credit and my piece of mind.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C (TN)

Debt collectors employed by Stenger & Stenger P.C. ( " Stenger '' ) by the name of XXXX XXXX ( " XXXX '' ) and XXXX XXXX ( " XXXX '' ) who falsely identify themselves as an Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for a consumer credit transaction that I initiated for a credit card on behalf of Absolute Resolutions who purchased the debt from XXXX  XXXX for a XXXX XXXX XXXX XXXX XXXX. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to initiate credit sales or share my private identifying information with anyone. XXXX XXXX and Stenger & Stenger P.C. also did not have the permission from a court of competent jurisdiction to communicate with me. This was all done for monetary gain and greed. XXXX and XXXX took legal action against me by filing a lawsuits against me. I was never properly served legal documents. They did not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. A default judgment was ordered against me. They took legal action against me in a county I did not reside in. Now my private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. Stenger is also invading my individual privacy by accessing my Employee Data report through XXXX  in order to locate an employer I do not have to resume garnishing wages I do not have.
Consumer complaint received 2021-04-21
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 is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX  - XXXX
Consumer complaint received 2021-03-24
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: TCF NATIONAL BANK (IL)

I don't understand why you need everything in writing. I don't have time to go to the USPS and send you letters. Submit your answer here so I can see the result in between work. I understand that you have no confirmation and therefore you are not sending me anything. Your next answer without validation will be sent to the credit bureau.
Consumer complaint received 2015-05-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I enrolled in XXXX XXXX XXXX School XXXX XXXX on XX/XX/XXXX for the sole reason that it not only promised to provide me with all the classes and skills for me to be successful in my career, but it promised me a XXXX For Life. '' Where in, I could continue to take classes/Labs throughout the life of my career that would advance me forward, at no additional cost. My career in XXXX XXXX is such that in order to be successful and make a living at it, continuation classes for the lifespan of your career are necessary. I took out a private student loan thru XXXX XXXX, now Navient, back in XX/XX/XXXX in the amount of {$14000.00}. In XX/XX/XXXX, while trying to schedule XXXX of my continuation classes and having the phone go unanswered, I went to there location and realized that they were now closed for business. I have faithfully paid the student loan payment each month but still owe a balance of {$5300.00}. It has become increasingly difficult for me to pay the monthly payment and also advance my career as I have been unable to afford paying for additional classes and training. Something I thought would be taken care of by XXXX and enrolling in their " XXXX. '' As a result, I am asking Navient ( formally XXXX XXXX XXXX to " Forgive '' the rest of the balance due on the loan as I believe I have paid for something that I never received ( in other words, a Breach in contract ) -- Free Lifetime Training in my Field. My XXXX # is XXXX. 
I have attached documentation substantiating what I have stated in this complaint. 

Thank you for your consideration on this matter, XXXX XXXX XXXX