davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I sent 2 letters to two different addresses found on my credit report only to have them returned to sender.

Then I received a letter by mail from this from this company ( I.Q. Data International ) with 2 more addresses on it demanding that I provide certain information for them to help assist me with investigation of my claim. 

Then I reached out to the XXXX to use their platform to communicate with a representative from this company ( I.Q. Data International ) I reminded them of their legal duties as a company ... .an example of this was 1. FDCPA Section 807 ( 8 ) [ 15 USC 1692e ] 2. FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ] It has been more than 31 calendar days since I've sent my last challenge letter & they have yet respond with a resolution They are using stall tactics as well as illegal tactics to provide me with what they call " PROOF '' not an itemized printout of what they claim is my account or billing statement. 
The FTC has issued an opinion letter on this subject matter and this concludes that those do not represent verification. 

also I asked them for their method of verification FRCA Section 611 ( a ) ( 6 ) and ( 7 ), excluding XXXX because as we all know computers make errors so that would be considered Insufficient.

I have tried everything so I've been maintaining a careful record of my communication with I.Q. Data International/XXXX XXXX XXXX for the purpose of filing a legitimate complaint with you guys ( CFPB ) The date that is is question on my credit reports are XX/XX/17 and they failed to provide a copy of any alleged contract or other instrument bearing my signature. 
Their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws is disrespectful, embarrassing, and a misuse of authority. 

They should be held liable & fully accountable for their wilful non compliance, I take this matter very seriously & I'm desperately seeking results if you can please step in and lend me a helping hand to best of your ability I would so graciously appreciate it. This is my last goodwill attempt to have them clear up this matter which is inaccurate and represents a serious error in their reporting .... According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information not the consumer!!! Thank u and have a nice day Sincerely, XXXX XXXX
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

This involved a XXXXXXXX XXXX  XXXX credit card ( XXXX XXXX XXXX ). On XX/XX/XXXX, I  paid the amount due ( {$34.00} ) online. I received a confirmation email from the XXXX XXXX XXXX. I used my bank account number ... sometimes the bank ( XXXX ) requires a " 0 '' in front of it, other times not. When there's an issue with the " 0 '', I am immediately notified and have NEVER been penalized for it until now. Apparently in this case the bank required the " 0 '' because unbeknownst to me they sent the payment back, and not only did the XXXXXXXX XXXX XXXXXXXX add a late fee but also a return fee of some {$27.00}. I had no idea this was the case until I got an email a few weeks later saying my account was overdue. I was shocked, called them, paid the {$34.00} and they said all of the other charges would be removed. I received a second payment confirmation email from them on XX/XX/XXXX. 

Then, on XX/XX/XXXX I received yet another message that I still owed them money! Something like {$58.00} or so. I called them yet again, wasted another 45 minutes on the phone with an obnoxious customer service rep and finally a couple of supervisors, who said they'd drop the late charges, but were out the {$27.00} because it was a fee that they'd had to pay the bank for the rejected account. I called the XXXX -- they knew nothing of it and there was no such record of any charge ... they do not charge if someone puts through a payment and it is rejected. So XXXXXXXX XXXX  XXXX is lying and my account is still past due and they will keep adding to it because I refuse to pay the bogus {$27.00} ( Now {$28.00} plus change because they charge interest ). 

I don't have any recourse I suppose, nor do I have any rights regarding this. Of course I complained to them and kept trying to resolve the issue but they are unreasonable. If I owed them money for goods and services or was late in payment I would understand. But this is utterly and totally ridiculous!
Consumer complaint received 2020-11-25
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. (WA)

XXXX XXXXXXXX XXXX XXXX  - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

In XXXX I got a divorce and was awarded my home and I been trying to get a loan modification from XXXX then i was told that Cornerstone was a servicer and I have to work with them so I Had my lawyer to send them numerous letter so they could work with me to get a interest rate decreased since I am paying almost nine percent on this loan and then Cornerstone sent me modification forms that I fillled out and faxed to them ten different times because everytime I called i get a new person they would say they are missing something but they was not Because they sent letters to me saying they received everything i also went to a Hud counselor that they refused to speak to and he also sent them information that I was also I just got another lettter of deniel saying I did not have enough income and that XXXX XXXX was my loan holder I went to XXXX and they said that my loan is with XXXX with the servicer being Cornerstone Yesterday i received a letter that they had not received a payment in XX/XX/XXXX I have been going to court with Cornerstone/XXXX numerous times since the year XXXX and each time i went I proved that I was right and not behind and that they was wrong even checks that XXXX cashed as well as Cornerstone i just want the chance to pay off my loan in a timely manner and time I am not behind and I do pay them every month I only owe XXXX but with me have to pay my attorney and theirs I will never get the chance to pay off this loan. Yes i know i was behind years ago but not now I feel that they are not giving me a chance to pay my loan I was in a abused marriage for XXXX XXXX years and now I am being judged and abused by my mortage company also
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (TX)

I am emailing you all in regards to my Ford Motor Account Number XXXX. 

Unfortunately, there was an issue that required me to file an insurance claim. 

I have repaired my vehicle, and turn in my receipts as requested by Ford Motor Company. 

I mailed those receipts and my insurance check in as directed by Ford Motor Credit personnel. 

I called today to check the status of the endorsement of my insurance check, and now they want to levy additional requirements. I do not appreciate my insurance check being held hostage after coming out of my pocket to repair the vehicle. 

I called and I asked what the process would be, and was told to turn in the check and my repair receipts, which I did. Today, I am told to take more time out of my day and get a Ford Inspection because I have made less than 6 payments. Well, if I make my 6th payment today will that solve the issue. I was told yes. 

I called back, and this is not a requirement so which is it? It really depends on who you talk to and on what day? 

Lastly a supervisor was suppose to return my call today before they closed, and guess what Mr. XXXX did not. 

Highly disappointed with Ford Motor Credit. I have integrity and I spent the money to fix my the truck and then some. 

So far, Ford Motor Credit has not kept their word or their promise to me as their customer.
Consumer complaint received 2024-10-16
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. (TX)

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.

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 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (MS)

Company did not provide me with physical documents verifying that the debt is mine, along with the signed Hippa rights. I have already filed an dispute. It remained. There are 2 XXXX Accounts on my credit file. I would like for them to be removed.
Consumer complaint received 2019-04-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, Santander Consumers. I have pictures to show you
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO HOW ARE YOU, I AM FORGIVENESS FOR MY Desperate ANNOYMENT, BUT ALREADY CALLED ALL THESE COMPANIES TO REPORT THAT THE CONSULTATIONS IN MY CREDIT REPORT ARE INQUIRES FRAUDULENT, THE COMPANIES ASKED ME TO CALL THE CREDIT AGENCIES AND NOTIFY THIS PERIOD TO INFORM YOU THAT YOU CAN REMOVE THESE CONSULTATIONS FROM MY CREDIT REPORT AS THEY ARE FRAUDULENT CONSULTATIONS, IT IS NOT THE FIRST TIME I WRITTEN BY THIS MEDIA ALREADY HAVE BEEN TOO MANY CONSULTATIONS IN THE PAST, AND HELPED ME TO REMOVE THESE CONSULTATIONS PLEASE HELP ME ELIMINATE THE INQUIRES AND UPDATE MY CREDIT INFORMATION
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/21 I mailed a certified letter to Equifax ( USPS tracking number XXXX-delivered on XX/XX/21 ) demanding that the only information on my credit report should be my current address. I just looked at my report and noticed they have an erroneous address listed along side my current address. IT NEEDS REMOVED IMMEDIATELY. Why are they not following the FCRA? This request was made due to me being involved in numerous data breaches and concerns of identity theft. I will attach my letter sent to them, the erroneous address showing on my report, and the confirmation the letter was sent via Certified Mail and delivered. My " formerly known as '' name is also erroneous and needs immediately removed.
Consumer complaint received 2024-08-29
Product: Credit reporting 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. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 USC. 1681-2 ( 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 2020-11-25
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: CULLEN/FROST BANKERS, INC. (TX)

Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXXXXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

on XX/XX/2022 someone received my person information intended for someone else and opened a Zelle account took XXXX form my account. My bank will not refund because I provide the information. It went into an account I want that person investigated. they set up the account not me
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
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 ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to remove a fraud alert from my credit report. They have been denying and holding off the removal of the fraud alert from my credit report. The website has not been working for me for the past week. I DEMAND THE REMOVAL OF THIS FRAUD ALERT FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for 3-Months XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXX Acc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; Experian Request Corrections to be made with Experian.