davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + XXXX + Experian + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

THIS LATE PAYMENT ASSESSED ON XX/XX/2024 IS FALSE. I EXTENDED MY LEASE AND MY AUTOPAY WAS CANCELLED WITHOUT ME KNOWING. AS A RESULT, I WAS CHARGED A LATE PAYMENT THAT I DID NOT HAVE THE INTENT TO DO. I WAS ALWAYS ON AUTOPAY AND ALWAYS HAD FULL INTENTIONS TO PAY MY MONTHLY OBLIGATION. I WAS REFUNDED THE MONETARY LATE FEE BUT THE CREDIT REPORTING IS MOST IMPORTANT TO ME. PLEASE REMOVE THE LATE PAYMENT AS A COURTESY AS I WAS NEVER MADE AWARE OF AUTO PAY CANCELLATION.
Consumer complaint received 2022-10-11
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (WA)

Last week started complaint with WA state AG, as I received a garnishment notification on a debt judgement dated XX/XX/2014. 
Washington state statute of limitations is 6 years. I do not recognize the company. There are not public records for my person in the said county on the written threat of garnishment mailed to my address. Some of the judges listed in the order do not exist and/or are in other states, jurisdictions, not related to the state or county the garnishment is said to be filed in. 
This is also past the 7 years allowed to be reported on credit.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My wife and I have Visa credit cards from USAA. I have been a member of USAA for 59 years. We spend approximately {$1500.00} each month on our two cards, USAA offers 1.5 % cash rewards on our cards.. My wife observed that the 1.5 % was not being deducted from the balance owed and had not been for some time. We called USAA to find out what had happened to the cash reward. We spent several hours and were shunted to at least eleven different people but no-one could explain where our money was. We were told our reward was {$34.00}. 
We have concluded that USAA has committed a fraud. They claim we get 1.5 % but they can't tell us what has happened to the money we are owed
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

Southwest Credit Systems , LP appeared on all three of my credit reports on or around XX/XX/2022 stating I owe XXXX {$770.00}. Before this time Southwest Credit Systems , LP did not send any sort of communications about the debt prior to reporting on my credit. Southwest Credit Systems , LP has not provided any proof that I own the debt. Both are Fair Debt Collection Practices Act ( FDCPA ) violations. Even after disputing and providing copies that XXXX balances were paid directly to XXXX, Southwest Credit Systems , LP continues to update incorrect information on my credit report which has caused me XXXX XXXX and harm as we were in the middle of purchasing a home which has now been paused due to Southwest Credit Systems , LP XXXX Only after filing a XXXX XXXX XXXX complaint on XX/XX/2022 XXXX sent copies of XXXX  statements to my home address. After examination, the debt did not belong to me, but instead it was a from a dissolved company that did not have personal guarantee agreement with XXXX XXXX has confirmed debt directly to them, but Southwest Credit Systems , LP continues to report false information. 

Again Southwest Credit Systems , LP has violated several FDCPA laws by not allowing me the opportunity to validate and dispute debt prior to placing debt on my credit report.
Consumer complaint received 2022-10-11
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)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

. In accordance with the Credit Reporting act XXXX XXXX Account # 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 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 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (CA)

On XX/XX/XXXX, XXXX put {$42000.00} for the purchase of a new home with XXXX XXXX XXXX California XXXX XXXX XXXX I informed the sales agent that I do not have the down payment and they suggested I go through Open door. 

That same day, without confirmation of funds to be received for my current home from XXXX XXXX, they began the application process to approve my loan. I submitted my current paystubs and an offer from the XXXX as a temporary second job. 

Soon thereafter, the offer from XXXX XXXX was {$100000.00} less than the down payment expected. XXXX XXXX of XXXX Mortgage continued to try to make the deal work with a second. I informed them I have no further money to put down on the loan. 

On XX/XX/2022, I got news from my second job offer that I would not be eligible to work. I submitted this proof to XXXX Mortgage and XXXX XXXX XXXX California XXXX XXXX. Rather than provide me with a denial of my qualification of the loan so I can obtain my deposit back, I was getting calls from both companies essentially forcing me to get my second job even though I do not have the requisite paperwork to qualify. 

I know that they are illegally withholding my deposit as I have now showed them ample proof that my income would no longer qualify for this loan. I am a single mom and this deposit is my entire life savings. I have been having XXXX palpitations due to their antics in not providing me my funds, rather continuously questioning me on my qualifications on the second job. At this point, I will not be able to work a second job or even my current job because I am so stressed out. 

Both XXXX XXXX and XXXX Mortgage, through their respective representatives have been calling me about my second job and stating they do not want to return the funds because they believe I can obtain this second job, despite being shown an email from the HR specialists that my application is not moving forward.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documents, including a photo ID, a utility bill, and a self-attestation letter regarding my situation involving XXXX XXXX due to XXXX XXXX  which is recognized under XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). Additionally, I have attached a letter from an organization supporting my case. I kindly request that this information be blocked from my credit report within four business days, as required by section 605C of the Fair Credit Reporting Act. I have submitted all the necessary documentation, including a victim determination letter as outlined in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (FL)

On XX/XX/2022, I purchased a {$100.00} Vanilla gift card and was charged a {$5.00} activation fee. Later that day, I gave this gift card to my mother, and a short time after that, she tried to check the balance and got a message that the card had no balance. She contacted Vanilla who told her the someone in XXXX has used the card and there are pending transactions. The said there was nothing they could do, and wouldn't even cancel the pending items. I then called XXXX where I purchased the gift card, and they told me there was nothing they could do. I called my credit card company, who at first said there was nothing they could do, but after speaking to a supervisor, they said they would investigate and if XXXX agrees to reimburse us due to a fraudulent charge, we could get our {$100.00} back. I told them that unless XXXX did the scamming / stealing of our money, it isn't a fraudulent charge. I wrote three messages to vanillagiftcard.com via XXXX, and they have ignored me. As of right now, I am out of {$100.00}, and no one will help us. We have been scammed, and don't know who it was, or how it happened. In searching Vanilla gift cards, I see others have been scammed out of their money. Is there something you can do to help us get refunded?
Consumer complaint received 2022-10-16
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I am going through loan modification with Shellpoint mortgage. My mortgage pre pandemic was {$2300.00} with an interest rate of 3.5 %. My take home net pay is XXXX XXXX  monthly. 
My new mortgage has been modified to a monthly payment total {$3800.00}, 6 % interest and extended for another 30 years. 100 % of income applies to mortgage. 
Not only does my mortgage payment absorb my complete paycheck, it adds {$540000.00} to my mortgage payment over 30 years. 
Shellpoint can not send me any documentation on how they accessed my payment. The main answer is I could try modification again and I may not receive it and or interest rate may be worse. 
I thought the idea of modification was to help homeowners get back on track after pandemic. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

On XX/XX/2022, I went to cash my usual check from XXXX XXXX on the Venmo app ( who uses XXXX XXXX to cash it ). 
It went fine and i sent in a picture of " XXXX '' written on the check. 
It got approved and then said my account couldn't be funded. I've contacted by phone email and chat both XXXX and Vemmo. XXXX tells me once they approve and release funds they can do nothing and they don't know where my money is. Vemmo is telling me it's XXXX problem, and they don't know where my money is either. But neither is giving me any help. It was a {$350.00} check. No account was funded. I have pictures from my check activity tab on my Vemmo app even showing the check being approved but under the " Funded On '' date, it is blank, where on other checks I've cashed it says the date and time. Neither company will give me a higher up employee to speak to. All I want is my {$350.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting 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)

To Whom it May Concern, I am requesting your assistance in investigating and correcting this information.

Accor

ding to 15 U.S.C. 1681 SECTION 602 A : STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 602 A 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 ADVERS
E ITEM OF INFORMATION, OTHER THAT CONVICTIONS OF OF CRIMES WHICH ANTEDATES THE REPORT MORE 2 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. 


Below is the personal information that needs to be reviewed and potentially removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am reporting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. Enclosed with the letter are copies of documents that verify my correct personal information, including government-issued identification. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand under U.S.C. Sec 1681i ( a ). You must complete this investigation within 30 days of receipt of this letter. Please send and updated copy my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Consumer complaint received 2022-10-11
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. (WV)

XX/XX/XXXX - XXXX - disputed XX/XX/XXXX with CFPB and requested account to be removed as it is a violation of 15 USC 1681 section 602 A, my right to privacy, 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish an account with my written instructions and 15 USC 1681c. ( a ) ( 5 ) section, no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes... I am requesting to have the account deleted from my credit report
Consumer complaint received 2022-10-11
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)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

. In accordance with the Credit Reporting act XXXX XXXX Account # 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 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.