davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (NY)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2020-08-28
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

These categories on this website do not accurately contain a close match to the reason for my complaint. The reason for complaint is that XXXX  rarely increases my credit score, even when I had my credit utilization done to 2 %, and increased my credit limits. Yet when I use my credit cards, often my score goes down, even with slightest use of one of my cards. It simply does not seem as if my score ever goes up substantially. Not in a long time. This makes no sense to me. Ive complained in the past, to no avail, and only to receive a generic response from XXXX. Calling customer service has been fruitless and unhelpful. It would be great to know why XXXX  simply never raises my credit score, in light of all the hard work I put forth into cleaning up my credit. Even hard pulls on my credit report are supposed to have a lesser effect as time goes by. Doesnt seem like this is the case though imo. What does it take to see my credit score finally rise up more then 1 or 2 points once in a blue moon? Hoping this issue can be addressed and that the generic response saying its an or mathematical formula can be better explained and looked into. Thank you.
Consumer complaint received 2020-08-28
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$1000.00}, {$54.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2020-08-28
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-04
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. (NY)

On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect also with Trans Union dispute # XXXX and XXXX  dispute # XXXX please have it removed.
Consumer complaint received 2021-09-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XX/XX/2021 I have been filing a dispute with all XXXX credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with Transunion. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

The company began calling a few weeks ago on a debt from over a year ago. They call every day. I have explained to them that we don't have the money to pay them or anyone else right now. I've been polite. I've asked them to call less frequently. Still, they call every single day at XXXX in the morning. 

Last week, I was XXXX  and I am still quite ill. I very patiently explained to them that I need them to please leave me alone until I feel a little better. They are pleasant and agree and then sure enough, XXXX sharp the next morning, they are calling me again. If I fail to answer the XXXXXXXX XXXX  call, they will continue calling at random intervals throughout the day. It is now to the point where it is clear harassment on their part.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I just received an email from Capital One regarding my credit card limit. The email states that because I have only been using a small portion of credit, that they are reducing my credit limit. 

This will impact my credit rating unfairly. 

I called the company, but was told that there was nothing they could do about it. 

In essence, I am being penalized for responsible credit utilization!
Consumer complaint received 2021-08-12
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: Experian Information Solutions Inc. (FL)

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an Internet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

See letter from Attorney XXXX to Cooper. Mr. CooperXXXX purchased mortgage from XXXX XXXX. Mr. Cooper held {$14000.00} escrow account to pay property taxes and insurance. Paid property taxes late incurring penalty of $ XXXX ; prepaid property taxes not due- overdrawing escrow account by thousands of dollars ; started charging additional impound fees and interest and late payments instead of securing refund of overpaid amounts ; I paid all principal and interest due on mortgage on time ; cancelled escrow account according to California law that does not allow Cooper to collect impound accounts ; Cooper increased debt load, threatens foreclosure ; provided negative credit report to XXXX  ; refuses to allow my attorney to speak to legal department ; Cooper settled multi million foreclosure scam with XXXX  in XX/XX/2020 ; I can not refinance without paying illegal charges. Forces me to file lawsuit and incur additional costs or be subject to Cooper extortion. Cooper needs to be put out of business. their practices are illegal ; their staff is trained to lie ; they do not respond in a timely manner and there is no coordination between departments. Delays are excessive..this has been going on since XX/XX/2020 and no resolution is in site.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have been challenging the accurate reporting of account for XXXX to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact equifax has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I opened an Everyday checking account with Wells Fargo in XX/XX/2020 and have used this to receive regular paychecks. And on XX/XX/XXXX, the account was closed without my notice and cause my next paycheck not deposited in my account and my life is dependent on the money. This is great trouble to my life and I was so frustrated about this. This is shameful act! Also I was going to receive the bonus of {$400.00} which I already satisfied the requirement but I couldn't receive it because of this.
Consumer complaint received 2023-05-08
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. (CA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following accounts : XXXX XXXX XXXX XXXX... Balance : {$2400.00} XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

This is a followup complaint to XXXX. Total of 5 errors or omissions were listed in the original complaint and enumerated for clarity. SunTrust provided adequate explanations to items 1 to 4, but omitted its response to item # 5. I will repeat item # 5 and request a SunTrust response. 5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review.
Consumer complaint received 2021-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (AZ)

I was late on 1 payment due to being called to XXXX XXXX, and I relocated to a different state. The notifications went to the house, and even though they contacted me via phone which I figured out later. I just completely overlooked the payment. I thought I had put that particular account on autopsy. On top of that I was paying for services I never recieved. I had just bought a home and got a bathroom renovation done, but my case was open due to them not completing the work. They didn't come back for 4 months after I signed. I'm new to this and have never done a renovation so the person who did my reno told me.to go ahead and sign and he'll be back tomorrow with the part that he needed to get my shower working properly. He had come back previously so I took his word on it. Needless to say I was paying for a shower that wasn't operable. I explained to the renovation company everything, but then when I tried to explain to the finance company they said o well you shouldn't have signed and pretty much of he didn't come I should have called them.. I wouldn't have even thought to contact the finance company. I mean if I had an issue with me vehicle I would contact the dealership not the finance company so I was just super confused.
Consumer complaint received 2020-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MORTGAGE LENDERS OF AMERICA (NC)

Dear Sir or Madam, Zillow Home Loans has, over the past two months, been issuing debt collection notices and refuses to correct a matter that they acknowledged on XX/XX/2020 has been paid in full. Since I am continuing to receive letters regarding debt collection with threats of potential foreclosure, I am filing the complaint to the Consumer Finance Protection Bureau. 

Attached is an XXXX file with a list of Exhibits based on the chronology for when they were received/sent by myself. As you will see, Zillow Home Loans has turned the loan over to servicing to XXXX   effective XX/XX/2020 ( Exhibit E & P ). The XX/XX/2020 payment was received and processed by Zillow Home Loans on XX/XX/2020 as evidenced by the stamp on the cashed check ( Exhibit S ). The XXXX payment was collected by XXXX on XX/XX/2020 as evidenced by the XXXX mortgage statement from XXXX ( Exhibit AD ). Despite all this and continued attempts to follow up with Zillow Home Loans, the matter remains unresolved. 

I sincerely hope for a fast resolution to this matter and can only hope that this is an isolated incident with Zillow Home Loans. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I signed up for Square Payroll services. 
{$100.00} was withdrawn on XX/XX/2022 from XXXX of my bank accounts and transferred to another XXXX of my checking accounts as a Payroll service. 
{$5.00} was charged on XX/XX/2022 for a service they did not allow me to use. 


On XX/XX/2022 the same {$100.00} was unexpectedly clawed back from my XXXX checking account without consent and without permission. It was not returned to my original bank account and no refunds have been issued. I have sent multiple emails to this company asking for my money back but they just have a bot respond without resolution simply telling me they have closed my account and the decision is final. They simply stole my {$100.00} and have not provided me anything in return. I did not authorize this company to dip into my checking account to take my money.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1692 says It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. " Fact, Affiant is aware that CAVALRY is in violation of 15 USC 1692g Validation of Debts and has been unable to provide information regarding the original creditor and instead lists the original institution. XXXXavalry is also in violation of 15 U.S. Code 1692e-False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms by requesting payment for an alleged debt in a positive status as evidenced in the submitted documentation.

Additionally CAVALRY is in violation of 15 U.S. Code 1692b - Acquisition of location information by stating that a debt is owed. 

Pursuant to 15 U.S. Code 1692k - Civil liability which states ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or, CAVALRY is liable for these violations.