davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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. (NC)

My identity theft is registered with the FTC # XXXX. 
My ongoing dispute regarding Reported as # XXXX XXXX XXXX joint mortgage It was stated originally XX/XX/XXXX as XXXX XXXX XXXX FLORIDA AT {$950.00} PER MONTH on XX/XX/XXXX paid off XX/XX/XXXX and experian did the dispute investigation and experian changed it to report # XXXX joint mortgage XXXX XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. 
I finally have the evidence of my claims against XXXX  XXXX XXXX. 
The attached 2 letter from XXXX THRU THE CFPB ongoing complaints star officially as follows XXXX XXXX XXXX my complaint cfpb response to two people not just me addressed to XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX nc XXXX states yes there was a joint # XXXX mortgage XX/XX/XXXX paid off XX/XX/XXXX HERE IS THE FRAUD PROBLEM DONE on my US legal name XXXX XXXX XXXX REGULATORY commission celebs XXXX second letter of XXXX of my ongoing complaints states that there was a SEPERATE BANK NOTE ( not original mortgage ) for a XXXX XXXX XX/XX/XXXX PAID OFF XX/XX/XXXX. THIS IS A FORGERY AND FRAUD DONE ON MY US LEGAL NAME .AND that there were numerous other fraud loans for XXXX XXXX  forgeries in my name THAT WERE NOT MINE. My claims of the disputed # XXXX has been finally proven experian and XXXX and XXXX it was a XXXX for XXXX XXXX at approx {$680.00} per month XX/XX/XXXX paid off XX/XX/XXXX. Please investigate and correct My only loan XXXX and XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX nc XXXX was a XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX VA FOR APPROX XXXX XXXX as per. The attached good faith statements from XXXX  which shows fraud by someone else 's initials on another app of some kind and XXXX loan app XXXX. 
NOTE MY CLAIMS of THE ADDITIONAL fraud forged loans of XXXX XXXX each with my name attached will be discovered eventually with the Cfpb assistance # XXXX registered with MERS and a line of credit XXXX XXXX XXXX # XXXX on experian XX/XX/XXXX report. I request another reinvestigation due to new evidence and it is stated by XXXX themselves thru the 2 cfpb responses from my ongoing complaints regarding this situation.. finally in XXXX it is clear note I did not receive these XXXX letters until late XX/XX/XXXX and was stated by XXXX they were sent alit earlier ..I reported the us mail problem again at that time to the federal law enforcement usps online. I am requesting from XXXX THE SIGNATURES AND LOAN OFFICER AND LOCATION OF WHAT XXXX where the stated XXXX XXXX BANK NOTE WAS ISSUED
Consumer complaint received 2020-05-17
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. (CA)

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, XXXX, and Experian, they send me results that say verified. Experian sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on Experian. And under the comment section on Experian, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on Experian, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from XXXX ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on XXXX, and it shows that I have payments of {$120.00} and {$61.00}. However, on Experian in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX  is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Consumer complaint received 2022-10-21
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: PENNYMAC LOAN SERVICES, LLC. (FL)

In accordance with the Fair Credit Reporting act PENNYMAC LOAN SERVICES ACCT # XXXX, has violated my rights. 
Under the Cares Act it states, If a consumer was current on payments and made special arrangements ( accomodations ) with the creditor prior to their loan being delinquent, creditors must report the account as current. PennyMac Loan services made special accomodations with me by providing me with a loan modification. While this was processed and approved they reported my loan late for the months of XX/XX/2022 and XX/XX/2022 which according to the laws mentioned above, is illegal and a federal violation as no late payments should have been reported.

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 15 U.S.C 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
Consumer complaint received 2020-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

On XX/XX/2018 a company called WAKEFIELD AND ASSOCIATES opened a collection account saying I owe  {$610.00}. They have also charged me more money it might have been over {$1000.00}, I was able to dispute it. For some reason they are not letting go of this claim which is around the same time they opened this account. I don't understand how they are still saying I am responsible for paying for it but have disputed the other claims? My own insurance has stated that I am not responsible to pay for it. I was insured for 2018 and my medical bills are usually all paid for. I never received a bill from the doctor. I only started getting calls around after 2018 but in never answered. This company is just trying to get money from me and scam me.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) 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.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Creditor 's CRAs XXXX report contains two ( 2 ) sets of two ( 2 ) collections accounts. 

The creditor requested a goodwill removal of two ( 2 ) collection accounts, which happened one day but was reversed the next. Then duplicates of the same collections account with the date assigned for XX/XX/XXXX, resulting in the dropping of the creditor 's credit score by more than 100 points. 

Currently, there are two ( 2 ) correct XX/XX/XXXX submissions : Account ending in XXXX XXXX XXXX XXXX with the date assigned of XX/XX/XXXX, is correct. 

Account ending in XXXX XXXX XXXX  ) has a correct date assigned of XX/XX/XXXX.
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (CA)

The following Account is in violation of the FCRA. 
Account name : SANTANDER CONSUMER USA This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. 
In accordance with the fair credit reporting at XXXXXXXX  account, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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
Consumer complaint received 2022-10-31
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)

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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX 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 2022-05-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prosper Marketplace, Inc. (OH)

My credit score was bumped XXXX or so points from an inquiry that I did not commit and also never filled out. From a company called prosper I do believe because I received an email from them yesterday XX/XX/2022 saying I didn't meet the requirements for a loan that I never filed for or have ever been to their website. My score was at XXXX and is now XXXX from the error or fraud.
Consumer complaint received 2020-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AP)

I have been attempting to contact Jefferson Capital Systems for the past 2 months. Every time I call, I get an automated phone system. I follow the prompts to talk to a customer service rep, and the system disconnects me. It does not even put me on hold in a queue. I am XXXX  working for the XXXX as a XXXX, and I make the effort of staying up late to call during different times, including when they first open for business. They have no business e-mail listed for correspondence. I have attempted to use their automated system to get my account details from them, and the hopes of actually talking with someone, but every time I do their system states " We can not find an account with the information you provided '' which I used my SSN.
Consumer complaint received 2020-01-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I opened a Citibank account, I was XXXX and we were opening an adult account. The guy didn't mention anything about the age requirement and he knew I wasn't XXXX because I came with my mother to open the account and we both mentioned my age countless times. We put in {$3100.00}. 
After opening the account a week in I start to set up a XXXX, XXXX, and XXXX XXXX   account. Then on XX/XX/XXXX, I get a letter from Citibank saying that my account is closing due to suspicious activity and I will be receiving a check in at most 2 weeks. I called the number in the letter and they kept saying they didn't know what the problem was nothing was showing up and that I need to go into a branch to get the information I need or I wait for the check. So I wait every day checking the mail to see if the check arrived, 2 weeks pass, no check, I give them a week because I'm nice, that week passes still no check. I call the fraud department and they tell me to go into a Citibank and get help there. I do that and this very sweet lady helps me and basically says that I should go to the branch where I opened the account or call the number again and ask them to resend my check. I call them they resend my check, I wait for the check, no check, I call them again, verify all my information, the check is resent, I wait for the check still no check. I call in for the fourth time, all the information is still correct, the check is resent and I wait and to no one 's surprise, there's no check. I try for the 5th time and i said if this doesn't work I'm going to the branch where I opened the account. Next thing I know it XX/XX/XXXX, I'm XXXX and I'm at a Citibank with my mom and are talking to a woman who apologizes and says she can't really help and that we have to call the fraud department. Which brings us to 3 weeks ago, when I called the fraud department and they had told me that a check was never ever sent out to me and that a check will be sent to me and I'll receive a check in the mail in about 2 weeks, it's almost XX/XX/XXXX and I still don't have my {$3100.00} that I've been waiting for almost a year for. I have been kind and patient and calm, but after waiting for almost a year this whole thing is really frustrating me.
Consumer complaint received 2022-10-31
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. (IL)

TRANSUNION LLC, has now committed multiple counts of willful and deliberate non-compliance of the FCRA causing financial injury, harm, and damage, in addition to defamation of the character and reputation of the consumer. 

TRANSUNION LLC, a financial institution and credit reporting agency operating in commerce for profit by assuming the role of assembling, evaluating, investigating, and accurately reporting consumer credit, which includes personal identifying information, has breached its fiduciary obligation and duty to comply with the FCRA by failing to remove Bankruptcy information after notice and instruction from the consumer to cease all furnishing of personal identifying information. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ). 

A " Notice of Identity Theft '' with all required documentation pursuant to the Fair Credit Reporting Act section 15 USC 1681c-2 was delivered to TRANSUNION LLC XXXX XX/XX/2022 @ XXXX by way of XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX thus requiring the referenced information to be removed or blocked no later than 4 days after delivery. This notice included both an " Identity Theft Complaint and Affidavit '' and a " Law Enforcement Report '' ( FTC Report Number : XXXX ) as required by Law. 

TRANSUNION LLC, has obtained possession of my personal identifying information from its subsidiary company " XXXX XXXX XXXX XXXX '', and is currently furnishming information without specific written instruction, consent, authorization, or permissible purpose, violating the consumers unalienable right to privacy in violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 4 ).

TRANSUNION LLC shall now be held civilly liabile with the consumer demanding monetary compensation for the following acts of non-compliance : 1. ) FCRA 15 USC 1681c-2 - Failure to Remove Information Resulting from Identity Theft 2. ) FCRA 15 USC 1681b ( a ) ( 2 ) - Failure to Meet requirements of Permissible Purpose 3. ) FCRA 15 USC 1681 ( a ) ( 1 ) - Failure to Report Accurately and Fairly 4. ) FCRA 15 USC 1681 ( a ) ( 4 ) Failure to Respect the Consumers Right to Privacy 5. ) FCRA 15 USC 1681c ( a ) - Failure to Exclude Bankruptcy Information From Report 6. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) Reporting Information Factually Inaccurate 7. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) Reporting Information After Notice of Inaccuracy 8. ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information With Knowledge of Errors
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I have had a Best Buy credit card for years. I made a promotional purchase that, due to unforeseen issues, I was not able to pay in full within the timeframe. So when it expired, all accrued interest was added to the account, making to balance go over the credit limit. Instead of doing like most credit cards, blocking the card until balance goes below the limit over a period of time while accruing interest, they make the full overage amount plus principle due on the next payment. My payment went from {$150.00} a month to {$1200.00}. There is no where in the disclosure that says that will happen and is Unfair, Deceptive, and Abusive practice. Furthermore, it completely goes against the Fair Lending laws, in which no cost of debt is provided. I entered a settlement with Citibank to pay the card off in XX/XX/2020. However, COVID19 hit, my wife lost her job and I lost half of my income. I ask to extend the payoff, and the manager says that due to fair lending, they can not. Fair lending has NOTHING to do with a nationally declared pandemic. There is no reason they can not extend the terms of the settlement. I need to feed my family. There is absolutely no reason that Citibank can not postpone the settlement payment at least a month or two. That does not, in any way, violate any fair lending laws. In fact, quite the opposite. Instead they want to be greedy. They could never, to this date produce an accurate statement, regardless of how many times I asked. This bank needs to be looked at for IDAAP violations and CARES Act violations. The deceptive trade practices are, proven in court, illegal and it is time they are held accountable.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (NC)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2022-12-29
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. (GA)

Dear TransUnion Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX  This is in accordance with the Fair Credit Reporting Act611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc. 

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved