davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Trying to apply for a loan. Credit report shows a mortgage is still open. Mortgage has been paid in Full since 2003. Second mortgage also paid in full. We owe nothing on XXXX XXXX XXXX dwelling. Thank you
Consumer complaint received 2022-08-14
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. (IN)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BOA paid an outstanding sewer tax bill at my request. I then repay it in installments along with my monthly mortgage, religiously every month, until paid in full. Ive done this before with no problems. After a couple of payments, I attempted to obtain a balance of said repayment, I was told monies have been misappropriated and will be corrected ( several times ). Although, I follow their request to the letter when making these repayments, this still managed to misappropriate these funds. Now I feel Im being blindsided by them as I dont have any clue whats going on with my account other than, the loan is now being serviced by a collection company with a history of collecting on bad loans. My loan isnt bad! I am current with my mortgage just needed to pay back that sewer tax loan! BOA failed to protect me as a consumer! I trusted them with my loan! 

I understand we all went and are still going through issues due to XXXX! However, Im starting to feel BOAs actions regarding my account has become, malicious and intentional, as they simply choose not to right, their clear wrong! Be accountable! Take responsibility! Apologize, fix it, and move forward! As we are expected to do when we are behind with just XXXX payment and our credit score drops affecting us like a XXXX effect. We are forced to make our wrongs, right, and simply move forward. 

Not only has BOAs failure, to implement a better escrow system, but also, their neglect in making their wrong, right ; damaged my credit, consumed my time and resources and has forced me to file this complaint. Keep in mind, I have no idea if I am doing this correctly or not. But at least this will be public and hopefully throw caution to the wind for the people that read this. 

Thank you for your time!
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dynamic Recovery Solutions, LLC (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 DYNAMIC RECOVERY SOLUT # XXXX, has violated my rights. DYNAMIC RECOVERY SOLUTIONS has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. XXXX. This is a complete violation to my consumer rights and punishable by {$1000.00} damages per 15 U.S. Code 1681. DYNAMIC RECOVERY SOLUTIONS have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or any other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the $ XXXX punitive damages.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-22
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. (GA)

I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to the Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, 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.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I checked my credit score and noticed a bill in collections for {$4900.00}. Called XXXX  and figured out the account was not made by me and it is identify theft. The lady I spoke too said the person made the account in XXXX. Ive had no knowledge of it until XXXX when the bill went into collections. She told me to make a police report, which I will do today XX/XX/XXXX and to make a report on this website. I also disputed it through the collections company which is Convergent, but they denied the dispute.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-12-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TN)

Dear CFPB, I am writing to formally file a complaint against XXXX, a creditor that has been contacting me excessively regarding an alleged debt. Despite their numerous attempts to reach me through emails and phone calls, I have never received any written notifications or disclosures sent through the mail that detail this supposed debt or my rights regarding it. 

To date, I have not been provided with any documentation that verifies the validity of this alleged debt. The lack of communication through proper channels has denied me the opportunity to dispute this claim or understand its nature. Instead, I have been subjected to harassing communication methods that have contributed to significant distress and confusion regarding my financial status. 

I believe that XXXX has violated established policies that protect consumers by failing to provide the necessary written notice and verification of the alleged debt. Their repeated outreach has caused me undue stress, as I am unaware of the legitimacy of this supposed obligation. 

I kindly request that the CFPB investigate this matter and take any necessary action to address these concerns. Please let me know if you require any further information from me to assist with your investigation. 

Thank you for your attention to this matter.
Consumer complaint received 2024-12-09
Product: Credit 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: Prosper Marketplace, Inc. (MI)

On XXXX I had many charges on my credit card. I was traveling in XXXX Ohio staying at the XXXX XXXX. Well staying there I lost my phone. There were transactions I did not authorize. My phone was set up for auto fill save passwords. I called the credit card explain I did not make these transactions I was told they put I. For a dispute. I have never got any thing from them. I called today cause its XXXX XXXX  and was informed it has not berm looked into. Their fraud department has not looked into this yet. They have been escalating this and still no contact from them. This amount came to {$1100.00} has put me way over my credit limit and report to the credit agency were I lost XXXX XXXX And its not being looked into. Also no credits given during the XXXX XXXX
Consumer complaint received 2023-04-06
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. (MD)

On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX bank. I have never had a XXXX bank account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX 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 as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts 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 ( an original Consumer Contract with my Signature on it as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2022-11-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (TX)

My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter XXXX ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT ADJUSTERS , L.L.C for committing identity theft. I have never given NATIONAL CREDIT ADJUSTERS , L.L.C any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any type of documentation requesting validation from NATIONAL CREDIT ADJUSTERS , L.L.C before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUSTERS , L.L.C can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUSTERS , L.L.C can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUSTERS , L.L.C continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUSTERS , L.L.C will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a general ongoing, repetitive problem with the Bank of America and California XXXX benefit payments. My unemployment benefits began in late XXXX and are deposited into a BoA account for debit card use. EVERY deposit was " transferred '' out almost immediately by " Bank of America '' as transaction name on ledger. I have called them XXXX times, and got XXXX transfers re-deposited. Those calls lasted XXXX hours, I had each time to speak with XXXX reps XXXX of whom for verification of my ID -- this after first rep would ask me security questions like " who is your favorite XXXX? '' as though I had submitted an answer to that question ( I had answered security questions but not that one ). Eventually my debit card was cancelled on those calls and new one sent by mail XXXX days later. So far XXXX different debit cards in past XXXX weeks! 

The ID verification process also had me going to BoA branches. 3 times with IDs -- passport, DL and SS cards. Each time there were others at the bank with same problems. Each trip to bank takes XXXX hours round trip and XXXX minute waits at banks. 

The first few " transfers '' were redeposited in a few days but the last XXXX on XXXX for {$810.00} has not been. This emptied the account ( as did the others ). I called back on the XXXX and was told their investigation would take between XXXX days! So I have no unemployment benefits min meantime. 

I put a complaint in to XXXX also but by email and a response is pending. This whole thing does not feel like fraud as much as BoA incompetence and consumer/citizen abuse! 

Note I do not have access to unemployment benefits for almost XXXX weeks.
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. (GA)

On XX/XX/2023 XXXX managers conspired against me burly reporting to the credit bureaus that I obtained my credit through identity theft. They sent documents to Equifax via US Postal mail indicating that all my credit was obtained by identity theft. XXXX white employees are racially profiling me and been harassing me since XX/XX/2023 when I contacted them to file a lawful dispute against a merchant in regards to an online order I made on XX/XX/2023 that was not fulfilled by the merchant. 

XXXX contacted the credit bureau and submitted false documents using my name and impersonated me. Without my knowledge or consent. I became aware of this issue on XX/XX/XXXX and immediately contacted Equifax and advised that the information received by XXXX is false! Instead of stopping this Equifax sent notification to my Creditors which resulted in one credit card by XXXX XXXX being closed due to fraud application. 

To this day XXXX also closed my credit card account for no lawful reason. Their ongoing harassment and lies has caused me to be harmed financially! All of my credit was obtained using my name. My social security number and date of birth! I have never obtained any credit by identity theft. 

XXXX employees put false notes on my credit card and sent false information to the credit bureaus. I need help to stop XXXX from doing this to me. 

Equifax confirmed they received two documents from XXXX with my name, social security number and date of birth indicating that this information is identity theft! That is a lie! I was born in XXXX XXXX XXXXXXXX and I am an American Citizen, both my parents were born in the XXXX XXXX and matter of fact my deceased Father was an XXXX XXXX XXXX veteran who fought in the XXXX XXXX. 

XXXX hires racists who use their job to harass and discriminate against people of XXXX. Their harassment and lies has caused me tremendous pain XXXX  and stress! XXXX XXXX employee has terrorized my life and causing me financial hardship! I need help to stop this. 

To date XXXX false reports to credit bureaus resulted in me being locked out of my online account with Equifax and Equifax taking adverse action towards me! I am a human being and need XXXX to stop this ongoing harassment and violation of my rights immediately! XXXX also put my life and my family life at risk by sending the Police to my home by making false accusations against me! Their harassment and terrorizing my life is ongoing. Their managers by the name of XXXX XXXX XXXX are just a few of their employees involved in this because I am a XXXX woman! Also they reported wrong information to credit bureaus stating I went over my credit limit and reporting a false high balance! I need this corrected.
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (LA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 below. 
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 below. 
I demand that the following account be verified or removed immediately : US Bank In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.