davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX XXXX with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
Consumer complaint received 2021-01-07
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND USED IT TO OPEN THIS FRAUDULENT LEASE IN MY NAME I HAVE CONTACTED FEDERAL AND LOCAL LAW ENFORCEMENT TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my XXXX XXXX XXXX banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate XXXX XXXX better. They are owned by big banks like Bank of America and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.
Consumer complaint received 2023-02-22
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

I mailed Ally Financial a Cease and desist on XX/XX/2023. I received proof of mailing on XX/XX/2023 that it was signed for and received. Since then I have received text messages requesting payment. I have attached the text messages and the return mailing label as proof that Ally Financial did receive and should honor the Cease and Desist that was mailed to them and that they are in violation. They are now communicating with me without my consent. According to the FDCPA, pursuant 15 USC 1692k unauthorized communication is a violation of my rights as a consumer.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, This list of accounts below has violated m t federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
2. Account name : XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
3. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
4. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX Date open : XX/XX/XXXX this company has violated my rights. 
5. Account name : XXXX Funding, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 
6. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type : XXXX XXXX  Date open : XX/XX/XXXX this company has violated my rights. 
7. Account name : XXXX XXXX XXXX XXXX, First 6 numbers to Account number is XXXX, Account Type XXXX XXXX XXXX, Date open : XX/XX/XXXX this company has violated my rights. 



15U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without written instructions. So therefore, I have not provided any written instructions to do so. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing ant 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 ant 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 2020-06-12
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. (TN)

Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the XXXX XXXX and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work XXXX XXXXXXXX XXXX as a XXXX XXXX and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (WA)

The Sr. Mortgage Loan Officer named XXXX XXXX of CrossCountry Mortgage failed to send us the correct closing documents in a timely manner, then attempted to tack on additional fees after we were left waiting to sign our closing package without providing notification. My wife and I had to send multiple corrections of errors to the Net Tangible Benefits disclosure forms, many of which were outright ignored. The company has purposefully delayed signing forms and not provided transparency in an effort to increase the closing fees. 

Our lock expiration date is scheduled for this upcoming Saturday, XX/XX/XXXX. We signed an initial closing disclosure on Tuesday, XX/XX/XXXX, after which, the company sent us a revised closing package on Wednesday, XX/XX/XXXX, to be signed again. We were waiting for the next steps to finalize, and in email correspondence, the loan XXXX neglected to notify us of the options available to close in time, then added a {$1000.00} filing deadline extension charge on to our closing fees with three business days remaining before our original loan expiration date. 

If the company fails to take the appropriate action within the next 24 hours ( outlined in the next field ), then we will miss our expiration date by no fault of our own.
Consumer complaint received 2023-02-22
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. (MA)

This is a new complaint on Experian with regards to how they handled my dispute with a collector and their extremely difficult processing methods of providing information for disputes. 

I had filed a complaint with all three credit reporting agencies and CFPB with regard to an inaccurate credit report on my file. The CFPB complaint number is XXXX. Experian notified me of the final results of the dispute on XX/XX/23 ( XXXX ) without providing any written or electronic documentation. I was only able to know what the result was after speaking with the Experian operator who said that the debt collector has reported that the information is accurate. When I inquired about written documentation for my record the operator said that the information is not recorded and is via communication that can not be forwarded to the consumer. I was told to reopen a new dispute and send upload documents which I did. But Experian 's website upload evidence is extremely difficult and impossible to upload. 

The website has a 1-2 min limit on how fast you can upload information. I had to copy-paste info the subsequent time to apply faster, but then the website refused to upload documents. My files were already in PDF and less than the allowed size. The operator then told me to convert the files to black and white, which I did as well and wasn't that simple to do. Even after all these fixes, Experian refused to upload files. In my last conversation, the operator stated that they do not know the reason and I must send the documents by mail. 

With this experience, my concern with Experian is that they have purposely made the process so difficult for consumers that it is almost impossible to file a dispute with the information requested. Not providing any documentation of the results is also against transparency to their customers and gives protection against inaccurate filings on our credit reports.
Consumer complaint received 2020-12-17
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)

Due to me being a victim of identity theft I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

This collection accounts has violated the rule of CFPB and FCRA since this was just recently opened last XX/XX/2022 and I never received any communication about these accounts,
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Dear Wells Fargo, Dear Consumer Finance Protection Bureau, Dear All, My bank is closing my account .... 

I made a mistake by receiving my friends tax refunds to my account. I am from XXXX and so are my friends. They all have US bank accounts but they blocked their cards since they are out of US. 
My mistake was to provide my account details for them so that put account and routing numbers on their tax refund. I do apologize for my actions. 
Meantime, this was not fraud. All tax deposits received were transferred to persons or provided in cash ( I am also currently in XXXX ). You can check history of XXXX  transfers, I can provide statements of XXXX transfers with the name of people whose tax refunds were deposited. Again, part of deposit were transferred via XXXX, you can check history .Other part were withdrawn through ATM and gave in cash ( you can also check non Wells Fargo atm withdrawals in transaction history ). 
I was trying to do favor for them and I am being punished for that. I can not blame my friends, I can not blame my bank. It is only about myself, only my fault. 
As I am outside of USA, I did not receive a letter from my bank about account closure. I found this out only when I was trying to move funds ( my part of income from freelancing ) to my bank on XX/XX/XXXX. It was turned bank. I immediately called and asked the reason. The specialists were unable to provide a reason but said account will closed on XXXX XXXX today is XXXX. Meantime I have looked through my actions, my faults which led my bank to discontinue business relationship with me. It is not my bank being unprofessional to me, instead I was being unprofessional to my bank, placing him into vulnerable situation. 
Another concern is that I should be having my payment transferred to my bank at the end XXXXbeginning XXXX. I am in desperate position, since I can not change account, it was already sent out along with task. It takes months of requests to direct it to another account. And this is happening during this hardship, the most serious financial tension, Covid-19, when people left without jobs, without source of income and I am making this stupid thing to loose my bank and loose this payment on time, which is vital for my family. As I breadwinner, I will be betraying my family, again, only because of my stupidity. 

I love my bank, I wish to keep my bank. 
I ask my bank to give me a chance to mend myself and show. I ask Consumer Finance to reach my bank to help me.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MA)

I had a phone plan with XXXX I had 2 lines & a XXXX XXXX. Each line was approximately {$45.00} per month. The watch line was an additional {$10.00} per month. In XXXX before my new billing cycle, I ported out one number from XXXX  to another carrier because the other carrier 's coverage worked where I needed it to. XXXX continued to charge me for that line. My bill was on auto-pay. When contacting XXXX they only offered a bill credit when I said I wanted a refund so I ported out the remaining lines before the next billing cycle. XXXX charged me for all 3 lines the next cycle. 

I contacted XXXX and was told they would refund me the last payment only because I had a bill credit. I said that I had no more lines with them so I am due a refund. They said they issued a bill credit. I had no way of getting my money back that they overcharged so I disputed the charges on my credit card statement. The disputes are still pending, but the credit card issued temporary credits on the card. 

XXXX then billed me directly for the amounts that the credit card company credited, added reversed payment fees & sent the bill to collections. When I called XXXX they said the bill was not in collections. I've received a letter and phone calls from a collections agency. XXXX  representative could only file a dispute on my behalf for the bill, but can not fix it even though they see that I was overcharged for months for lines that I no longer have. Meanwhile collections is saying I have an unpaid debt that needs to be collected. I don't understand how a bill can end up in collections when it was only generated on XX/XX/2023. The last bill in XX/XX/2023 had a bill credit of XXXX. So somehow I went from having a bill credit to having a past due amount of {$270.00} in less than a month & the bill sent to collections
Consumer complaint received 2023-03-15
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 (MO)

In accordance with the fair credit reporting act XXXX  Account # XXXX 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 a 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 a late for purpose.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (TX)

I emailed Aargon Agency at XXXX requesting a debt validation notice since they sent the original collection notice to an address I no longer live. I have attached the email for your review. I sent the email with the debt validation request on XX/XX/2022 and I have received no response from Aargon Agency. Aargon Agency failed to response to my debt validation request in which they had 30 days to respond or the debt must be removed from my credit report. Their email address is validated and listed on their website. XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (AL)

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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

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.