davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

You are in direct violation of several sections of 15 USC 1681.

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately.

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : I C System ( XXXX XXXX XXXX Opened : XX/XX/2020 2020
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
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 onXX/XX/XXXXXX/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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

There is an account on my credit report from credit acceptance for XXXX. They are reporting this account open. It should be closed. I havent made payments since XXXX. It is set to fall off my credit report in XXXX. They also reported an older account fraudulently. They reported i made a payment in XXXX and i never did. It was the auctions payment they are counting as mine. Please help me i want to seek legal action if they do not fix this.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good Afternoon, my name is XXXX XXXX. My wife and i purchased a time share from XXXX XXXX, when covid 19 hit our state of florida we suffered immensely i am a small business owner. my company was impacted directly and my wife was effected the same. we both was without employment so called XXXX and i was offered a XXXX XXXX in this program i was told to get 5 witnesses notarize the form and send it back to XXXX XXXX  they received it and said they will not accept it. i sent a 2nd XXXX XXXX and they acknowledged they have it and put a late payment which is complete lie i was told to pay them XXXX $ to receive the XXXX XXXX  i owed XXXX  to XXXX XXXX at the moment, from what i see it took them months to accept my lou dod and now they are trying to charge a late fee that is FRAUDULANT. you cant offer a client to charge them to take the property back, receive the payment FRAUDULANTLY PUT A LATE PAYMENT ON MY CREDIT REPORT. then they told my wife there is a number they give to take off the wrongful report she calls and they took it off hers but not mine? very confusing and disheartening to see a multi million dollar company take advantage of families this way.
Consumer complaint received 2020-10-08
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. (TX)

Dear Consumer Financial Protection Bureau, I have written to XXXX  on several occasions disputing the fact that the item listed below is incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. 

Let this be a formal complaint against Experian. The following account is an item the credit bureau has refused to investigate : XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Dear CFPB : We are currently in the process of selling our home at XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXXXXXX. The mortgage was originally held by XXXX XXXX, but was later acquired by US Bank XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX. 

We obtained our mortgage through US Bank in XXXX of XXXX for a total of XXXX XXXXXXXX, with a {$7500.00} down payment assistance loan from XXXX XXXX, Florida. We paid our mortgage- with a couple of hiccups in XXXX due to XXXX  - up until the XXXX crisis struck. 

In XXXX, we had paid the mortgage down to a balance of {$53000.00}, but, due to the XXXX assistance mortgage payment moratorium we also rewrote the mortgage to the tune of {$8600.00}. Now, please explain to me how a SINGLE YEAR of " ASSISTANCE '' could possibly equate to HALF of what we paid in mortgage and interest fees over the course of XXXX XXXX So now that we are selling our home, the full payoff amount equates to {$69000.00}!!! This EFFECTIVELY means that over the course of the XXXX years that we've spent in our home, we have paid a WHOPPING {$89.00} towards the ownership of our home!!! Who in what office has lobbied and written this type of legislation? 

This is exactly why the American people remain financially imprisoned and why the top XXXX XXXX continue to accumulate wealth on a DISGUSTINGLY IMBALANCED scale. Had we known that the COVID " Assistance '' was going to reset our mortgage COMPLETELY - minus {$89.00} - I would have just gone to work, even though XXXX XXXX XXXX XXXX XXXX XXXX Oh, wait, that would have been inconsiderate, because I could possibly have contributed to the illnesses and deaths of so many other people. So that's not right. BUT what your legislation allows banks to do is the preferred solution? TO ROB PEOPLE and keep them in perpetual financial servitude is YOUR ANSWER? 

This is not acceptable, and it certainly isn't right.
Consumer complaint received 2022-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

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

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

Under USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes. 

I have reached via letter several times to rectify these issues, but have not received any valid updates.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NJ)

The company refuses to handle my fraud claim. I had told the D

ispute Department right before I filed the claim that this was a fraud claim, and although they told me I needed to fill out a dispute form to complete the dispute process, they did not tell me I was unable to file a fraud claim. Instead they started the claim process on their end, and even provided me with a dispute case number. That right there says Im able to.

Additionally, The Electronic Fund Transfer Act ( EFTA ), is a federal law that protects consumers against fraud and account errors. The EFTA grants consumers the right to dispute transactions and establishing consumers liability for unauthorized transactions. Some examples of unauthorized transactions include a debit card gets stolen and is used by the thief to make a purchase. 

Last by certainly not least, right on Visa 's website it states, " Visa 's Zero Liability Policy* is our guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. * Visas Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail. Visa 's Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. '' ... XXXX XXXX XXXX I relayed this information to the company, and they chose to ignore it. If this does not get settled in the hands of the CFPB, a small claims suit will be filed in the near future.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help XXXX XXXX
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX and XX/XX/XXXX, I mistakenly withdrew funds ( {$74.00} ) from my XXXX account to my closed Venmo account. When I noticed the mistake, I immediately left an email message for Venmo informing them of this mistake. On XX/XX/XXXX, I contacted Venmo via phone and was informed that a customer service rep is not able to help me with my issue only an account specialist. I was advised that I can only reach an account specialist via email and it would take 7-10 business for someone to reach back out. I was upset as I would have liked someone to allow me to transfer those funds to an active account or card that I had on file via Venmo
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (FL)

THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KY)

This VA loan originated with XXXX XXXX XXXX. 
Closing date ; XX/XX/2020 Disbursement date ; XX/XX/2020 1st payment date ; XX/XX/2020 Notice of servicing transfer to The Money Source on XX/XX/2020 noting that the transfer does not affect any of the terms or conditions of the original agreement. 
First statement account information includes my account number, property address, principal balance, maturity date, interest rate and escrow balance of {$1000.00}. 
XX/XX/2020 payment due $ XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  XX/XX/2020 SAME XX/XX/2020 SAME XX/XX/2020 SAME Found out escrow account debited on XX/XX/2020 for {$770.00} for a homeowners insurance policy that I payed in full for on XX/XX/2020. This was verified on 3-way phone conversation with myself, Customer service rep. and XXXX  XXXX  rep. 
XX/XX/2020 mailed pymt {$780.00} Found out escrow account disbursed {$660.00} on XX/XX/2020 without any explanation of who it went to, why, or any reason for this debit. It simply shows on my statement under transaction activity. 
XX/XX/2020 Mailed payment {$840.00} because I could'nt talk to any representative or supervisor to explain all these discrepencies.
Consumer complaint received 2023-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Greetings credit reporting agencies, my name is XXXX XXXX and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my information without my written consent according to 15 U.S.C. 1681 Section 602A and 15 U.S.C. 602A Section 2. please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report and I as a consumer whose rights have been violated. I fully am expecting to see positive changes to my report immediately thank you. 

In accordance with the Fair Credit Reporting Act. 
U S DEPT OF EDXXXX Account XXXX XXXX has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 
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  has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because, I, as a consumer, have the right to privacy, and the creditors are clearly not respecting my rights. This is very unacceptable and action needs to be taken immediately in the works of fixing my consumer report. 

15 U.S.C. 1681 Section 602A. States, I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states, that a a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Unauthorized charges were done when card waa lost or stolen. Properly reported to goverment agency and all fraud affidavit and transaction reported and sent to XXXX instead of fixing problem they keept account open for several months charging hundreds in fees to their advantage. Then they claim to not received any papers from me or dispute feom me. The only time they reaponded is when your agency made them cooperate last time. Please help
Consumer complaint received 2020-05-04
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Roughly a year ago I signed up for credit monitoring so I could correct my score. I took care of all of them but XXXX XXXX because I had no knowledge of this account ever. 3 month ago roughly I called them and asked them to explain the agent took all my information and assured me she would send me all supporting documents validating this attempt to collect what seems to me a wrongful debt. A couple months latter I sent them a email with all my information again requesting proof of this debt within 30 days no response at all via email. Then I sent a certified letter on XX/XX/XXXX final request to validate this debt with all and any signed documents by me opening this account on XX/XX/XXXX to send proof or demand they remove account off all my reports immediately with letter to all bureaus stating it was a fraudulent debt. The agent said no. So I talked to dispute supervisor. She claims last week they sent proof of this debt to my house and it has been validated to be true now mind you the last year in a half I have been disputing the same debt through XXXX XXXX, XXXX, XXXX XXXX  and no results just ignored all request. I'm a single father of XXXX trying to get my credit to a decent score so I can get my family a house and XXXX  straight ignores all request and not one has showed me proof in any manner that this is my debt. They are I violation of my rights a ruined my life