davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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. (SC)

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 


XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 


XXXX XXXX XXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX This was pay per delete account. Why is it still reporting on my credit profile? 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate. 

XXXX XXXX XXXXXXXX I was never late on this account. 

XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXXXXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate XXXX XXXX XXXX XXXX This collection account is showing a balance, please provide the document used to verify this amount as accurate
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/2021 a fraudulent credit card account was opened in my name using information that was stolen from me. The amount of credit was {$14000.00} and the balance remaining is {$13000.00}. I have sent them ( FNBO OMAHA ) FTC reports, 609 letters and other info required in order to prove my innocence. XXXX is still reporting it fraudulently on my credit report and FNBO keeps reporting to them as accurate. XXXX XXXX and XXXX has deleted/removed from my report over 2 months ago and the same information was sent to all 3 credit bureaus. They are in violation of US Codes and falsely reporting inaccurate information.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRUIST FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and Regional Acceptance, 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
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Afterpay US Services, LLC (MO)

I ordered shirts from a XXXX XXXX ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " afterpay ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and afterpay for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " afterpay '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( XXXX XXXX  ) trying to collect for " afterpay and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

somebody got a hold of my personal sensitive information such as social security, phone number, account number etc. They went as far as going to a TD bank branch in new york when i live in new jersey and were able to verify all details on my account and withdraw money from my checking account because she had a new jersey state id with my info but her picture.
Consumer complaint received 2022-09-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-11-20
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. (CT)

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

The company does an automatic payment through my account whether it is for the full amount or a lesser amount every month. They have reported my account 3 month past due. If they are taking my money they need to remove the late payment reported on my credit report.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Regarding Complaint ID # XXXX : THIS IS NOT A DUPLICATE COMPLAINT! 

The previous claims submitted were denied EXCEPT the first one! The remaining claims STILL NEED TO BE ADDRESSED THOROUGHLY! They were denied due to payments delayed due to change of address of your processing center. 

Per the attached statements, the address was not corrected on my statements until the XXXX statement! These payments required additional time to process, but not due to MY PAYING LATE!! How was I to know the address changed without notification until XXXX? 

Therefore, ALL interest charged on XXXX statement, {$17.00} : XXXX statement, {$10.00} ; and XXXX statement, {$7.00} should be credited back!
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, at approximately XXXX pm I stopped at a BANK OF AMERICA XXXX XXXX XXXX BANK OF AMERICA branch located in XXXX XXXX California on XXXX XXXX XXXX to deposit a draft I received in the mail. XXXX XXXX, as well as the branch manager, XXXX XXXX said my instrument was non-negotiable. I showed them the definition of a negotiable instrument pursuant to 3-104. Pursuant to 3-104 my instrument is a negotiable instrument because it is an order which means it is a draft. A draft according to 3-104 is a check. Despite all this, they still would not take my deposit because they said it was a " bill ''. Pursuant to 12 CFR 204.2 ( iv ) Deposit means : Any due bill. I do not agree.
Consumer complaint received 2021-02-23
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 (NY)

I have written five ( 5 ) letters to Bank of America to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Bank of America included several monthly statements, however, I have never received these statements in the past.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Siggi LLC (VA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

OMNI FINANCIAL OF XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-06-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did " not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! 

Again there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! 

3 ) CARRINTON MORTGAGE IS STATING " I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

I dont know whats going on but a debt appeared on my credit report from a bank that I had never done business with. I am a previous victim of identity theft and whoever stole my identity is back using my information again. Can you please help me rectify this problem because Im in the process of buying a house and this mistake is messing up my home buying process. I contacted the company but didnt any response. 

LVNV Funding LLC Date Opened : XXXX Amount : {$630.00}
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXXXXXX XXXX acct # 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.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (CA)

On XX/XX/XXXX, I visited a website operated by XXXX Limited-Life to buy XXXX oil they advertised. The deal was that a {$6.00} shipping only charge would be debited for a sample of the oil. 

I entered my debit card information and instead of the site bringing me to a confirmation page as normal sites do, it took me to a page that asked if Id like XXXX  pills as well. I skipped that page and it went to a page asking if Id like to purchase their XXXX cream. I skipped that too and it took me to a page asking if Id like to buy a XXXX enlarger! 

I immediately exited out of the site all together, realizing it was a scam - NEVER confirming any purchase at all. 

A few days later, I received a sample bottle of oil, a bottle of pills and probiotic pills ( which were never even on the site! ) I checked my bank account and I was charged the {$6.00} listed as XXXX , another charge from that entity for {$6.00} and another charge for {$2.00} from XXXX XXXX Offer. - Then, on XX/XX/XXXX my debit card was debited for {$110.00}. 

I called the number reflected on my bank transaction detail and explained to the girl ( XXXX ) that I didnt agree to any of these charges. She assured me that the charge for {$110.00} would be refunded and not to send back the products. She said that she would speak to upper management and make sure the account would be closed and that the recurring charge would be stopped. On XX/XX/XXXX, I received the {$110.00} credit along with the {$6.00} ( one of the original shipping charges ). 

On XX/XX/XXXX, I received a letter from the collection agency National Medical Administrators , Inc. ( ref # XXXX ) demanding the {$110.00}. When I called this company and spoke to XXXX on XX/XX/XXXX, she informed me that this account was never closed by XXXX and that I owed this charge. 

XXXX  willingly refunded the money to me so they obviously conceded that this transaction was complete. 

After reviewing XXXX complaints about these two companies its clear that they are working together, and I realize that this is one large scam that is repeated almost exactly each time. National Medical Administrators hides behind the fact that theyre a third party and have nothing to do with the original transaction, but they continue to do business with XXXX. This indicates to me that they are willing participants in this scam.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022 XXXX XXXX XXXX MD XXXX I sent out 3 certified disputed letters one to TranUnion, XXXX XXXX and XXXX XXXX XXXX Delivered at XXXX XX/XX/2022 XXXX XXXX Delivered XXXX XXXX XX/XX/2022 XXXX TransUnion arrived at the USPS XXXX, PA XXXX XXXX XX/XX/2022 now here it is XX/XX/2022 the certified mail is still at the USPS waiting to be delivered more then 30 days later they never investigated or picked the mail up. With your help I would like for TransUnion to delete or remove what items I was disputing from my credit report because this is a clear violation of the Fair Credit Reporting Act Laws. I have documents attached time and time either they ignore or get say its verified now I sent certified mail and they just ignored it. Help Me Please CFPB