davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: WELLS FARGO & COMPANY (CA)

I am a consumer and natural person. I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XX/XX/2022 and they have failed to show proof & record of a credit application or my written authorization to review my credit files XX/XX/2022. I am receiving adverse action letters and 8 hard inquiries on my credit report from various financial institutions. Who have also showed no proof and direct me back to the dealership.
Consumer complaint received 2022-08-20
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 
Please update my address : XXXX XXXX XXXX, XXXX, NC XXXX Please update my name to XXXX XXXX My only social security number is XXXX My only correct date of birth is XXXXXX/XX/year> My only employer is XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, Enclosed is my Drivers License and Proof of Residence.
Consumer complaint received 2022-10-09
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. (FL)

As of XX/XX/2022 XXXX XXXX XXXX an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department file number XXXX but she has yet to respond to me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Sincerely,
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2022 I mailed off a letter to Annual Credit Report Request Service requesting XXXX credit reports from XXXX, XXXX, and Experian in paper form. 

XXXX and XXXX responded by mailing the requested documents in the month of XXXX. It is over XXXX days later and Experian has not provided my credit report in paper form. My certified mail receipt shows that my letter was deposited in the XXXX XXXX for Annual Credit Report Request Service on XX/XX/2022. 

Experian 's failure to provide what has been requested of them is holding up a process and is costing me money.
Consumer complaint received 2023-04-06
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. (TX)

I have also verified that these accounts are not on my consumer report so you never accurately never verified any information. Remove the unverified items listed below that still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Remove these accounts. 
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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hello. 
I am new to this and I hope I am taking the right steps. I just submitted a complaint before this, but I did not explain everything. 
In XXXX, I forgot my purse at work. I went to pick it up the next day and did not think anything of it. As times passes and my credit card balance is due, I notice that there were charges I did not make. One of these charges is a store in XXXX. I immediately called Bank Of America to dispute the transactions on my credit card. They gave me a temporary adjustment. I had noticed that the chargers at the XXXX store were also in my personal bank account. I contacted chase and they immediately were able to remove the charges close my account and help me. 

Bank of America is refusing to do so. They gave me a new card, but is denying my claim many many times. It is going on 3 months now, and they refuse to give me paperwork proof that these charges were made by me, or that they have anything to do with me. They refuse to send paperwork. No matter how many times I have called, provide world class service is their saying, they are providing terrible service. 

I have been a customer with them for years now and i am noticing that its the only company I ever have issues with and refuses to ever help. I will be closing my credit card after getting help with this issue and will not be a customer of them any longer. 

The dispute was for 3 different charges. 
XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York Total - XXXX $ These charges have never been made on my account before. 

This is no okay and very unprofessional for a large company to deny my fraud on the count without sending proof! 
All they do is send the deny letter the day after I speak with one of their representatives. That means they dont even look at the claim.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Roundpoint has been having my $ XXXX insurance claim check XXXX and it is now XX/XX/XXXX. Every few weeks they willl call me to tell me they need some form or a signature or an invoice, which I provide to them. Then they wait a few weeks and call me back telling me they need something else. We have been thru 3 hurricane 's, a flood and a freeze and feel we have been thru enough that I should not have to fight for my own money that my insurance company has paid. Roundpoint even came to my home to inspect that all the work was complete according to my summary of loss. The only thing left was 2 ac vents -- -that is cosmetic and was not on my insurance summary of loss. I feel as though they are stealing my money. I have been complying with their demands and they come up with new ones. I do not know what else to do and hope you can help.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

I bank at US Bank and still do. On or about XX/XX/2023 I placed a check # XXXX in the mail for payment towards my peoples gas bill. Some time after this date the check was intercepted, washed and the payee altered to an unknown and unauthorized payee by the name of XXXX XXXX. The check had been altered from {$370.00} to {$4400.00}. This altered item cleared my account and the fraudulent amount of {$4400.00} was withdrawn from my account. 

I discovered the altered check upon reviewing my statement and I immediately attended a USBank branch and froze the affected account and moved the remaining funds to another account. Considering XXXX XXXX XXXX XXXX my children assisted with helping redirect my SSA payment and retirement deposits. US bank to this date has failed to reimburse be for the unauthorized withdrawal. I have completed all the necessary affidavits and statements to US Bank but have been provided NO response to my requestS for when Ill be reimbursed. I advised USBank that I dont know this person and didnt write this check to THEM. 

I am blessed to have the funds available to be able to pay my expenses but how many other victims are not as fortunate.. 

This has been going on for over two months I dont understand the delay and need the assistance. 

The US BANK account in question is XXXX
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (PA)

I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX,
Consumer complaint received 2023-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (GA)

I received several threatening, harassing, and deceitful debt collection letters from TriVerity , Inc. on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX regarding an alleged debt of {$9100.00} as of XX/XX/XXXX. 

The alleged Loan # XXXX was acquired from XXXX XXXX XXXX XXXX located in the state of Georgia. 

I do not know this company ( Triverity , Inc. ) and I have not entered into a contractual agreement regarding said alleged debt owed to XXXX XXXX XXXX XXXX and I told them of such. 

Hence via Affidavit of Validation of Debt, I, vehemently, dispute the debt and requested validation of the alleged debt. To this date, I have not receive an Affidavit proof of validation of this debt from Triverity , Inc .

Additionally, via Affidavit of Truth and Fact, Triverity , Inc. was notified that they have violated several of my consumer rights via the Fair Debt Collection Protection Act. To this date, I have not received Affidavit of Truth and Fact response from Triverity , Inc .

They are as follows : 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( F ) ( 1 ) 15 USC 1692 ( B ) ( 5 ) Finally, I have sent a second Affidavit of Truth and Fact and a Notice Of Demand for Cease and Desist which I have yet to receive an adequate Affidavit response from Triverity , Inc .

I have an attachment of All Affidavits and Exhibits that show how Triverity , Inc. has on numerous occasions via mailed letter violated my consumer rights and caused mental, emotional, and financial stress to me and my family.

Please peruse the Affidavit of Truth and Fact, the Second Affidavit of Truth And Fact, the Affidavit of Validation Of Debt, and the Affidavit of Notice Of Demand To Cease and Desist.
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd. (AL)

A company called FMA Alliance ( XXXX ) called claiming they are collecting a debt on a XXXX  XXXX credit card, which I do not have. The caller was XXXX XXXX. I confirmed I do not have an account by trying to log into the XXXX XXXX website using my social - no account was associated. I also ran my credit report and I have not had a XXXX XXXX credit card for many years. The man stated I opened an account in XXXX  which is not accurate. When I tried to call back to speak to a supervisor, the person said - after obtaining some of my personal information ( DOB, last XXXX  of social ) for verification - that it was a " misdial '' and put me on hold for over 15 mins ( still waiting for the supervisor ).
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and the late payments need to be updated.
Consumer complaint received 2022-04-27
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX  XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-29
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. (FL)

In accordance with the Fair Credit Reporting act 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX Date XXXX Amount : {$4100.00}