davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The following three credit cards were opened illegally in my name : Capital One, XXXX, and XXXX. My XXXX XXXX was stolen from my purse. I'm the victim of Identity Theft by my deceased husband.. The Capital One credit card for {$8100.00} is inaccurate because my dead husband opened the credit card in my name on XX/XX/XXXX, without my knowledge. Also, he opened up a credit card with XXXX in my name, and it was sent to a Collection Agency, XXXX XXXX XXXX, and has a balance of {$5300.00}. Also, he opened up a credit card with XXXX on XX/XX/XXXX, and has been charged off with a balance of {$1600.00}. I did open up my XXXX 's card, but I was unaware that he stole it from my pocketbook and maxed it out to {$8000.00}. I became aware of the Identity Theft on Friday, XX/XX/XXXX, when I went to the XXXX looking to ask for a better interest rate on a personal loan. I then became aware that I was a victim of Identity Theft. My husband passed away on XX/XX/XXXX, and I have since learned that he also maxed out my mother-in-law 's credit card and took over $ XXXX from her as well. I am requesting that these items be removed to correct the information. 
I contacted a lawyer on Monday, XX/XX/XXXX and was advised to file a police report the very next day. On Tuesday, XX/XX/XXXX, I filed a police report of identity theft. I sent certified letters to each credit card company and credit bureau on Thursday, XX/XX/XXXX. I received a letter in the mail from Capital One on XX/XX/XXXX explaining how no sign of fraud was found. I then spent an hour and half on the phone yesterday ( XX/XX/XXXX ) with Capital One explaining how the credit card was opened up in my name with my information without my consent by my deceased husband and they refused to remove the debt even though I was not aware of the card and had never seen the card. Also, XXXX XXXX XXXX XXXX removed a credit card from my account from XXXX, but didn't remove the charges from where my deceased husband stole my credit card from my purse and my purchases without my consent. I received a letter on XX/XX/XXXX, explaining their was no fraud found because I benefited from the purchases. How can I benefit from a purchase that I'm not aware of? The other two credit cards he opened in my name without my consent have already been removed from my credit reports, but XXXX 's and Capital One only want to charge them off, which is hurting my credit score and my ability to borrow in the future. My deceased husband left my kids in a horrible position. He cashed out his retirement without me every knowing he had one and then to find out he opened credit cards in my name and stole another one and charged it up is absolutely heart breaking, but to know credit card companies will not work with you is absolute shame.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have consistently paid my mortgage on time and in advance on good occasions. When Covid hit, my job went into part time, and I was now on unemployment, but still trying to pay my mortgage. 

In XX/XX/XXXX my statement from the company newrez was balanced. I paid two checks one for the mortgage and one for partial payment to the next month. I continued trying to make my payment in advance. 

In XX/XX/XXXX I was paying XX/XX/XXXX payment or part thereof. I got a statement showing I was owing for XX/XX/XXXX. 

Could not get a resolve from the company. At the end of XX/XX/XXXX I got a letter stating to send the XX/XX/XXXX payment to a new address. My loan had changed hands. My XXXX and XXXX payment had already been paid. 
There after the company began to become hostile. The dollars were adding up on my loan. No one to talk to due to Covid and the long wait on the line. 

I then realized that my monthly payment had changed. It went up. That shocked me. I was not notified of this change. 
I wrote a letter to the company on XX/XX/XXXX when I submitted my mortgage payment. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking that they please correct the error in my loan and bring it to the correct balance if I owe them, but they are showing I owe over {$10000.00} in mortgage payments which is not correct. THE COMPANY SHELLPOINT HAS ALSO THREATEN ME WITH FORECLOSURE OF MY LOAN. 
I ask them to please provide me the following for reconciliation of my loan : 1 : What month date and year the loan changed hands as my payment could have gone elsewhere.

2 : Why did my loan payment changed or rather increased my loan is a fix rate.

3 : What was the first payment the new company received from me 4 : To provide a list of payments they received.

5 : To rerun my loan amortization table for the last 36 months to determine the error. 
I got a letter from the lenders insurance department. I told them I have had the same insurance company since I bought the house. The policy is always paid yearly. I checked with the insurance broker. They said they have not received a call from my lender or anyone else. My policy has never lapsed. 
The representative of shellpoint asked my insurance company name and number and I gave it to them. 

I need help please in fixing this mess as Shellpoint is not operating ethically. something is not correct, including my monthly payment balance. 
Please help me to resolve this.
Consumer complaint received 2019-03-30
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. (TX)

In 2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.
Consumer complaint received 2020-11-13
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 ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Consumer complaint received 2020-11-13
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: Bread Financial Holdings, Inc. (CA)

I just checked my XXXX credit report and have found a couple of unauthorized inquires I would like removed ASAP. I respect accurate reporting and need these inquiries removed per FCRA standards. 

Inquiries to remove are as follows : XXXX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XX/XX/1922 I received noticed via email that a new report had been added to my account from XXXX XXXX XXXX. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC (TX)

COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENEDXX/XX/XXXX WITH COLLECTION. FIRST REPORTED XXXX.ORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. THIS INFORMATION IS TRUE ... I CALLED THERE OFFICE TODAY XXXX TO VERIFY THERE ADDRESS, THE ACCOUNT # XXXX AND GAVE MY LAST OF MY SSN THEY PULLED ME UP IN THERE SYSTEM. DON'T LET THEM TELL YOU THAT NO RECORDS ARE FOUND ON ME THERE LIARS! 

" NOTE THE ORIGINAL CREDITOR I NAME IS XXXX XXXX XXXX XXXX ''
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (FL)

XX/XX/2020 received text from credit card company asking if I had authorized a purchase for {$110.00}. I told them that I had not. Payment was declined and credit card company issued a new credit card. 

XX/XX/2020 received letter from collection agency alleging a debt of {$110.00}. 

Upon further investigation I believe this scam started when I answered a survey online and was to receive a free gift of my choosing from several offered. I chose one but I had to pay {$6.00} for freight which I put on my credit card. The company that billed my credit card was " & XXXX XXXX- XXXX XXXX CA. I did eventually receive that gift. 

The same day I confirmed freight payment for {$6.00} my credit card company was requested to pay from my credit card {$110.00} by a company named " Try XXXX XXXX '' which was denied because I never ordered or authorized anything for {$110.00}. The credit card company flagged this purchase and texted me for confirmation.
Consumer complaint received 2020-11-13
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)

Experian keep saying I am not the one sending MY OWN dispute. I have provided my Driver License and Social Security card before and I am very frustrated. Do they need a DNA test to proof its me? I sent Experian my dispute with report number XXXX on XX/XX/2020 which they received and investigated on. I have reason to believe that they conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to them 4. The method of communication they used to verify this information 5. Did the creditor provide them with my SSN, address, and Date of Birth? If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I receved an alert from Equifax that I credit score went down 86 points. I did not know why. So I checked and saw that a particular collection company re-age or changed the Date of First Delinquency which is illegal. It was changed to XX/XX/XXXX and the original date was XXXX XXXX. So that why my scores went down. I have proof that I will be forwarding in this email to show the discripancies. XXXX XXXX XXXX. is the name of the company. I've been dealing with this issue for almost a year now. FCRA 6d23 ( 5 ) a was violated. Fderal Law violation. I have the proof and I'm willing to share. Plus they are harassing me with phone call daily and hangng up. I need this to stop. I'm steress enough and consumers shouldn't have to go through this to fix an errounous error.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I booked a vacation package with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I put a deposit of {$300.00} down via PayPal. On XX/XX/XXXX, The XXXX XXXX XXXX went into administration ( bankrupt ) and it is no longer trading as a business. 

PayPal has rejected my claim on the basis that I am out of the time-frame to claim. 

Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

The time limit for making a claim should start from the date I was expecting to receive the service/trip not from the purchase date, given I was buying something to be delivered in the future. 

In my case this date should be my refund credit note expiry date of XX/XX/XXXX. Alternatively, as I was not able to open a dispute through their system since I was outside of the team limit, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).
Consumer complaint received 2020-11-09
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

-- CLOSED ACCOUNT 2. 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 2023-06-20
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

Around XX/XX/2020, I sent Capital Chrysler an insurance check for them to sign and send back. My name was on the check as well as Chrysler Capital. This was for an insurance claim I filed due to an auto accident. The vehicle has been repaired and has been ready for pick up since the end of XXXX. Chrysler Capital requested a final estimate and a W-9. The repair shop and I have sent these documents multiple times and in multiple fashions such as email, fax. Chrysler Capital claims they have not received them. I do not know why they are giving me the runaround. They need to send XXXX XXXX XXXX the check so I can pick my car up.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (AZ)

Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2020-11-13
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.