davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-09-27
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. (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (CO)

I originally submitted a request online via BSI Financial Services 's website for a COVID forbearance plan on XX/XX/2022 ( Email confirmation received that request was successfully submitted on XX/XX/2022 at XXXX XXXX  XXXX ). The email confirmation states that I will be contacted within 7-10 days to discuss the submission, however I wasn't contacted. I called multiple times to get a status on the request, have left message for XXXX XXXX ( My assigned account specialist ) and XXXX ( My assigned account specialist 's " Supervisor '' ), however I never heard anything back. I check the status of the request online daily, and noticed the request was gone and nothing was sent to me regarding an approval or denial. I submitted the request again on XX/XX/2022 ( Confirmation email states successfully submitted on XX/XX/2022 at XXXX XXXX  ). I called yesterday, XX/XX/2022 to request a supervisor in the Loss Mitigation Department, and was transferred to a random voice mail. This happened three additional times. I can not get a hold of anyone, and can not get the assistance or even an answer on the forbearance request because no one will call me back or speak to me directly. I get the automated dialer collection calls, but that is it. They sent me pre-foreclosure paperwork stating I have to have my balance paid in full including the advance on my escrow by XX/XX/2022. I'm not sure how they are able to take these measures without returning my calls or working with their customers like they claim to do.
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I requested a refund for my student loans from Fedloan Servicing over a month ago. I am entitled to a full refund of all payments made during COVID pandemic by law per the CARES ACT. Fedloan Servicing is saying that this will take 150 days to process and that I may STILL BE DENIED. 

I NEED this money and it is my right by law to get a refund. Thank you CFPB for standing up for the little guy.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I reached out on XX/XX/22 to Experian because I I have a paid membership and was unable to access my 3 bureau credit report and they told me to send in verification of my identity even though I've done so previously numerous of times. I wasn't able to access my credit report for two months even after sending in the proper documentation. I called and requested a refund for the two months and canceled my subscription. I than opened an account with MYFICO to get my fico scores because I plan on buying a house soon. I received a refund from them stating Experian won't allow them to access my credit scores. This is causing me to become XXXX  because I can't monitor my credit scores as usual and I'll probably be unable to get a home loan approval because my scores can't be accessed.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG FINANCIAL CORPORATION (TX)

Harassing phone calls, unprofessional and degrading voicemails, when attempted to resolve issues with the company, I was cussed at and treated extremely poorly. The staff there are extremely rude and very un professional.
Consumer complaint received 2022-12-05
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. (TN)

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX  which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX residential According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There was fraudulent activity on my fathers bank account for XXXX and they closed the account & he never received the money back, I Became my fathers POA XX/XX/XXXX, he was dying of XXXX XXXX, he asked me to look into his account there & find out about the {$2900.00}, he also had CDs, A Savings account I went to the branch several times filled out paperwork, received a letter my POA was approved went back to the branch several times, called customer service never got any help. I put a complaint in & Even from Capitol One complaint dept & told me this should have never happened. He had me call another number. My father passed away on XX/XX/XXXX, for the first time I got any info was on XX/XX/XXXX from a XXXX saying I couldnt get info because I was not POA when his account was opened & I could have called with him or went to the bank when he was alive & got all the answers. Thats was over a month that he passed away. I would like to know where my fathers money is. I have all dated paperwork proving they should have gave me his information and I could have gotten his money back. It feels like Capitol One stole from a dying man.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/XXXX I attempted to resolve this debt with RentDebt Automatic Collection LLC. 
I was not aware of this debt of XXXX until this week, I lived at XXXX XXXX  at XXXX XXXX in XXXX, faithfully paid my rent for 44 months without ever being late, they are stating this is the charge for not giving a 30-day notice before moving out which I believe is unfair to a women my age, although again I was not aware of this debt, in good faith I called to try and resolve this issue, making them aware of the fact that I am XXXX XXXX XXXX on fixed income with very little money to spare. I am willing, not able to settle for 50 % leaving me very little to live on but I believe in taking care of my personal issues. They are refusing to do anything more than 30 % which I am unable to afford. 

I NEED HELP with this matter ASAP. I am attempting to do the right thing. PLEASE HELP Thank you!
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

We searched online for a horse trailer and found one that was located in NY. After agreeing on price and terms, we were sent wire transfer instructions. The money ( {$4300.00} ) was sent and receipt was confirmed. The trailer was supposed to ship in 25 days. 

When we had not heard anything from the company, we attempted to contact them with no luck. We ultimately determined it was a scam. The wiring instructions are attached. 

We requested Wells Fargo rescind the wire but have heard nothing from them. We also attempted to call XXXX XXXX  who was the recipient bank but they did not respond.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-09-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-14
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. (IL)

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 590. 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I mailed you a letter disputing Bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following As per U.S.P.S. records, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ). Accordingly, as per the FCRA, you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), and XX/XX/2022 ( XXXX ) ; therefore your response was due on or by XXXX 30 days+. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated XX/XX/2022 ( XXXX ), XX/XX/2022 ( Transunion ), XX/XX/2022 ( XXXX ) claiming you verified the information as accurate. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation of my dispute because you verified the information as accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, that you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed information. Be advised, that this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. Within 10 days delete the disputed information as requested. XXXX XXXX has removed this item from my report due to unverifiable and I demand it be removed from my credit file permanently. 

Remove any bankruptcy from my credit report immediately and any accounts that are associated or listed as including : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Bankruptcy Account # XXXX Account Name : Bankruptcy Account # XXXX
Consumer complaint received 2024-11-19
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.