davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TN)

On our Discover credit card, my husband and I owed {$280.00} by XX/XX/2019. I have a recurring payment set up with our bank 's bill pay for {$200.00}, which went out on XX/XX/2019. At the time, I did not realize that the payment should have been {$280.00}, rather than {$200.00}. I always try to pay more the minimum each month, and I have never been late on a payment. Discover contacted my husband on XX/XX/2019 by phone. They were attempting to get him to pay, not only the {$82.00} that we were behind, but they also wanted the XXXX payment that was not due until XX/XX/2019. He doesn't do our budget so he told them that they would have to speak to me. He did not give them our bank account information over the phone and authorize a payment. He called me and told me about the situation, and asked me to take care of it. I immediately went online to look at what we owed, which was have been {$82.00}. Because I like to pay more than the minimum payment each month, I decided to make a payment of {$250.00}, which was made on XX/XX/2019 through Discover 's internet payment option on their website. Until then, Discover did not have our bank account information so they would have been unable to process a payment. On, XX/XX/2019, I was traveling, and I started to get epay alerts for overdrafts in my bank account. When I checked my account, I realized that Discover had withdrawn an additional {$360.00} dollars from our bank account on XX/XX/2019, which caused us to go into overdraft and be charged {$36.00} every time we use our card. We contacted the credit card company immediately to ask them to remedy the situation. Because my husband is the primary on the account, the hour that I spent on the phone with them getting passed back and forth and repeating my story counted for nothing. My husband called and spent another half our talking with them, then I had to call them and spent another 45 minutes repeating our story and getting transferred to different people before they said they would investigate the situation. I am now waiting for a response from them which they said would take up to 48 hours. Meanwhile, not only are we out the {$360.00} dollars that we had earmarked for our travel, but we also have hundreds of dollars in overdraft charges. Please help us recover our funds!
Consumer complaint received 2023-01-30
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. (MN)

I sent a letter out on XX/XX/XXXX to Equifax Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's 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 factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute.
Consumer complaint received 2022-04-03
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. (OH)

Hello I am submitting this complaint about the consumer reporting agency EXPERIAN. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EXPERIAN to validate or delete inaccurate accounts being reported on my consumer report. EXPERIAN responded with a false claim the accounts have been validated. EXPERIAN has yet to show proof or any contractual agreement to support the claim of the account being validated.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (NJ)

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 U.S.C. 1681-2 : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S.C 1681 : ( c ) The term consumer means an individual.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

XXXX, TransUnion, & XXXX have violated my rights to privacy and have shown a disregard for my credit file. I have never given written permission to have anything placed on my credit reports, such as UTILIZATION of Credit, and TRANSACTIONS published on my credit reports. 
15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission 15 U.S.C 1681 ( A ) ( 4 ) Here is a need to insure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy. 

In addition, it is also my understanding that Under the FCRA 15 U.S.C 1681 ( i ), every single one even each any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

We purchased a home with an FHA loan in XX/XX/2022. After two months with the initial lender, our loan was transferred to Rushmore Loan Management. Rushmore mishandled our escrow by grossly underestimating our county tax bill. The company initially lowered our monthly payment and sent an escrow refund based on the erroneous information. They paid the tax bill in XX/XX/2022, then my loan was transferred to a new servicer, " XXXX XXXX ''. XXXX XXXX also mishandled my account by failing to pay my insurance on time. Because my home is in the state of Florida, my insurance agebt advised I would not be reinstated if the policy was canceled. I had to pay out of pocket to keep my insurance active. During this interaction, I learned my monthly payment will increase substantially due to the large deficit in the escrow account. We are first time homeowners and very concerned about the frequent changing of servicers and mishandling of escrow. Please investigate this issue.
Consumer complaint received 2023-01-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate XXXX, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

I have been receiving literally dozens of calls for the last few weeks, day and night. They are from many different phone numbers, many with a XXXX, FL ID. Here are a few of them : XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, and more. They are asking for someone I do not know. I looked them up and see that they are a debt collector named sequium that I know nothing about and I have no debt myself, I never have. Every time I have been called by a debt collector over the last 50 years, they were always, always, always looking for someone else that I have never known. Now they are still calling me and my caller ID says : No Caller ID. They called me at least five times in the last few hours with the No caller ID showing on my mobile phone. They are harassing me!
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Subject : Complaint Regarding Unauthorized Transaction and Limitation on PayPal Account Dear PayPal Team, I am writing this formal complaint to bring to your attention the unauthorized transaction that took place on my PayPal account on Tue, XXXX XX/XX/2023. I have discovered that the transaction was for an amount of {$200.00} to XXXX XXXX, which I did not initiate. 

In addition, I have also discovered that a new address ( XXXX XXXX XXXX XXXX, CA XXXX ) has been added to my PayPal account without my authorization. I immediately took action and reported the unauthorized transaction by calling your phone support. I was provided with a case id ( XXXX XXXX and was assured that the matter would be resolved in my favor within 10 calendar days. 

However, on Sat, XXXX XX/XX/2023, I received an email from " XXXX '' informing me that my account has been temporarily limited due to some information that needs to be confirmed in order to keep my account and money safe. This has taken me by surprise as I was not provided with any information or explanation as to why the limitation was put in place. 

I strongly believe that my personal information has been leaked during the unauthorized access of my account, which has resulted in this limitation. The email I received suggests that some information needs to be confirmed in order to lift the limitation, but I have not been provided with any further information or explanation as to what information is required or why it is necessary. 

I am attaching my XXXX 's card statement with this complaint and request that you lift the limitation using this information. I have already provided a bank statement to your team on Wed, XXXX XX/XX/2023, and it was reviewed and my account was restored on the same date. I therefore request that you investigate this matter and lift the limitation on my account as soon as possible. 

Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute any unauthorized transactions on my credit card or bank account. This act protects consumers from inaccurate or unfair billing practices and ensures that they are able to dispute any unauthorized transactions that they may encounter. 

Furthermore, the Electronic Fund Transfer Act ( EFTA ) ensures that consumers are protected against unauthorized electronic funds transfers. This act regulates all electronic fund transfers and establishes the rights, liabilities, and responsibilities of participants in these transactions. 

I would appreciate a prompt resolution of this matter and a full refund of the unauthorized transaction. I look forward to your prompt attention to this matter and request that you keep me updated on the progress of your investigation. 

Thank you for your time and consideration. 

Sincerely, XXXX
Consumer complaint received 2023-01-29
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: Credence Resource Management, LLC (IN)

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$690.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing that the account is being reported accurately. 
Be advised that the deception of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from attorney, XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau and the attorney generals office. Should you continue in your non compliance of federal laws under the fair debt collection, practices act, the fair credit reporting act in the corresponding local state laws. I further remind you that you may be liable for your willful non compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 807-8 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 -b ) You will be required to appear in a court being used local to me in order to formally defend yourself.

P S. Please be aware that, depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had three business credit cards accounts and I was always in good standing never late. I paid them off in full then they closed all three of my cards for what reason I dont know why I feel its an act of discrimination
Consumer complaint received 2020-05-20
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. (TX)

On XXXX XXXX a dispute was filed with Experian to remove fraudulent information on my credit report, they refused to remove the incorrect information even after I provided all the documents, police reports to affidavits. I submitted more disputes XXXX XXXX XXXX and again XXXX, all times I was denied by Experian to remove the {$5400.00} charge from XXXX XXXX XXXXXXXX XXXX,
Consumer complaint received 2023-01-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

i need these accounts to be removed from my credit file and repossesion remark removed from my credit file i have contacted XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX ok, XXXX ( XXXX ) multiple times in regards to this outrageous claim of debt owed and repossessions. they are currently reporting XXXX negative items on my credit file and i did not authorize this company to pull my credit, utilize my credit, or furnish any accounts with my information ever!. this is ridiculous and they need to be shut dow for all of the illegal activity they have been doing. they have defrauded me of multiple opportunities to build credit by reporting multiple delinquent accounts and threatening me with debts i do not owe this information needs to be disputed as fraudulent activity immediately and removed from my credit file. who opens XXXX car loans and gets XXXX cars repossessed there has definitely been some fraud activity with this merchant and needs to be investigated Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information.
Consumer complaint received 2023-01-30
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. (VA)

Hi CFPB customer care with XXXX XXXX preferred, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, EXPERIAN AND XXXX CREDIT reports as well late payments reported in XXXX, EXPERIAN AND XXXX CREDIT reports associated with XXXX XXXXplease consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

I have attached screenshot for reference