davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-07-21
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-29
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: Bread Financial Holdings, Inc. (AK)

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach COMENITYCAPITAL/ULTA Acct # XXXX is not my account
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was contacted by Ms. XXXX XXXX that resides at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX regarding Wells Fargo foreclosing on her real property. Ms. XXXX XXXX alleges that someone has taken loans out against her real property located at XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, New York XXXX. I stated to her as a foreclosure workout agent, I would look into the matter. I retrieved information from the public record and examined the signatures comparing them to Ms. XXXX XXXX and determined that the signatures were inconsistent with hers and suspect to forgery. Ms. XXXX XXXX signed a Wells Fargo authorization form to release information to me and for me to speak on her behalf. The Wells Fargo, account numbers that are subject to this investigation are XXXX, XXXX, XXXX. It appears from the public record that loans were taken out against her real property in XX/XX/XXXX for the amount of {$130000.00}, XX/XX/XXXX {$190000.00}, XX/XX/XXXX for {$79000.00} and XX/XX/XXXX. The only loan that Ms. XXXX claims is the HELOC from XX/XX/XXXX of {$79000.00}. 
I contacted Wells Fargo executive department before I filed this complaint in an attempt to discuss this matter with them. I was assigned a representative from Wells Fargo by the name of XXXX XXXX. Mr. XXXX contacted me and was not helpful in getting information in an attempt to resolve this issue. Quite frankly it was a very poor and unprofessional customer service experience. Mr. XXXX would shout down the conversation, make accusations, hurl insults to the point that I requested someone else to deal with and that prompted this complaint. The calls were recorded and I invite Wells Fargo human resources to listen to the phone conversation on 4 different occasions. I am requesting Wells Fargo provide me for the above three account numbers a copy of the note 's bearing the signatures, copy of the mortgages bearing the signatures, copy of the payment histories, copy of a payoff statement copy of a reinstatement figure, copy of the settlement statements bearing the signatures, copy of right to cancel notices, copy of all third party documents involved in the loan origination, notary and title company.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MI)

On XX/XX/XXXX, My husband I were shopping for new kitchen appliances. We ended up going to a warehouse where they sold appliances that had dents or scratches and would be sold to us at a discount. We found appliances we liked, filled out their " questionnaire '' for the line of credit and was approved. I was given a {$5000.00} line of credit based on my income ; whereas my credit would not be pulled or affected. My checking account information was given whereas my payment would come out every 2 weeks when I was paid. I spent {$4100.00} and agreed to pay {$340.00} every 2 weeks until it was paid off. 

On XX/XX/XXXX, I logged into my account ( for what I believe was the first time ) since I knew the loan was close to being paid off. Expecting only 1 or 2 payments left - I nearly had a heart attack when I saw I still owed more XXXX XXXX+tax!!! 

After digging deeper into the contract, I saw this was apparently a " 1-yr lease '' or " rent to buy '' which I was NOT AWARE OF. When I applied for the line of credit, and chose what to purchase, I was told what my payments would be, and when they would come out of my checking account ... THAT'S ALL! I did not know this is what I was signing up for. Furthermore, when I signed ( on the employees computer ) and made my {$50.00} deposit, I was not even given any disclosures or the contract - but instead was told that it would be emailed to me. In hindsight, the employee 's sales practices were aggressive and shady, and the whole process was utterly deceptive. 

On the same day XXXX XX/XX/XXXX XXXX, after finding all this out, I reached out to the creditor to explain the situation and spoke to ( 2 ) different agents and was basically told they couldn't do anything for me. All they offered was the payoff amount XXXX $ XXXX+tax XXXX at a 55 % discounted rate. 

I will disclose, the employee of the facility did mention trying to pay this off by XX/XX/XXXX for interest free - but that was all he said. I HAD NO IDEA this was a 1 year " rent '' obligation. I feel stupid and I feel cheated, and this is exactly why TILA was put into effect. 

I would like to pay off the loan - but I refuse to pay what they are offering seeing as it's completely unreasonable.
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

This company they say they are collectors from The Cash Store. But they are demanding money when they call and it can't be made after the phone call. Then they want to send to court house so they can have a warrant issued for me. But when I ask to make arrangements they refuse to send me paperwork by mail, they sent an email that said who I owed and that was it. 
They are calling people we don't even associate with. Plus family members we don't talk too. I have never out a family.member down as a reference. 
My husband is XXXX and when they call him it makes him go into a XXXX XXXX with the threats. Yesterday they demanded money before we hung up. I told them I had no idea who they was but they said they was legit but I'm not sending them money. 
Please have them stop calling us and other folks.
Consumer complaint received 2020-03-25
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. (OH)

TransUnion not responding to requests to delete inaccurate information. Sent letter 45 days ago and they never responded. The return receipt was stamped on XXXX XXXX.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX and the likes. 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.
Consumer complaint received 2022-06-14
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: Prince Parker & Associates (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received an email from XXXX XXXXXXXX and XXXX letting me know that a new Hard Inquiry had been placed on my credit. After looking into this, I saw that a Hard Inquiry had been placed by Bank of America which I did not authorize. Later on in the day I had an unauthorized charge try to go through on my cash card which was not able to go through due to the person trying to use it not having the correct expiration date. I believe that my personal information has been stolen and someone is trying to use it without my knowledge or consent.
Consumer complaint received 2020-06-02
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 {$0.00}, {$0.00}, {$0.00}, {$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. 
-- STUDENT ACCOUNTS -- 1. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$0.00} -This is not my account. 

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

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$0.00} -This is not my account.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AZ)

NewRez is at it again. After getting them to finally agree they messed up they said they would keep me off the marketing list ( see CFPB complaint XXXX ) and yet I receive another marketing offer. I have submitted, and they have admitted receiving do not ( marketing ) contact and they continue to do so.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

Recently I checked my credit report for the first time in a year and I was astonished to realize all of the fraudulent accounts that had appeared on my credit report. Sadly, I am a victim of identity theft. LVNV Funding and XXXX XXXX was one of them. I have never ever entered a consumer credit transaction with LVNV Funding LLC or XXXX XXXX XXXX  XXXX XXXX. Attached down below is my request for full material disclosure and debt validation.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 at XXXX I attempted to withdraw {$500.00} from the Chase ATM machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX using my stimulus check debit card but the machine malfunctioned and did not dispense the money or reciept. The balance of the card reflected the missing money. I am requesting help to get my money back.
Consumer complaint received 2022-06-14
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 XXXX Account XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 602a : States that I have the right to privacy.

15 U.S.C. 1681 604a Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland employees called me on personal cell phone which is required for work during business hours repeatedly despite having requested this stop. I was called in excess of once a day by different people working for plaintiff and more than 3 times per week on multiple occasions. While I was disputing debt with Plaintiff out of court, plaintiff contacted my spouse despite his name appearing nowhere on the alleged debt. Predatory scare tactics were used to make him pay on the spot money he didnt have and required a loan from another family member causing strain on family relationships. He was threatened with worsened credit score and heavily implied repossession of personal property and jail time. I was in the hospital unable to work the time and could more be reached and the only reason XXXX made a payment is because of being scared in paying under false threats. We are now being sued but the company during a time of global financial crisis. It is unjust and illegal.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was scammed to with a promise to get funded for a XXXX loan increase after XXXX announced that they were shutting the portal down and these people said that they were from XXXX and could help me get my paper work pusshed through before deadline for my XXXX loan increase. I should have known better but they were referred by a trusted source on XXXXXXXX XXXX, so I thought. So I texted them and communicated by text ( see below ) desparate.. I XXXX {$950.00} to a XXXX XXXX at phone # ( XXXX ) on XX/XX/2022. They asked for {$890.00}. I was so nervous that I accidentally hit {$950.00}. XXXX never contacted afterwards and the people who referred me to her never contacted me nor answered my calls. I called my bank, Bank of America and they said that there was nothing that they could do after contacting the recipient 's bank which is XXXX, I tried to contact that bank XXXX department but could not get directed to the proper department. 

I do not understand why my bank Bank of America, who knows that my money went to a XXXX XXXX customer, could not inform XXXX XXXX that I was scammed by a customer at their bank. And me being a loyal customer of Bank of America for many years should have received more help with my claim. 

XXXX XXXX should have investigated and asked me for the proof of my interactions with the scammer who falsely represented herself through social media. 

My Bank can be contacted with proof that I did file a claim. They never asked me for documents ; Thank you