davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-21
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. (FL)

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXXM XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXX XXXXXXXX XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am writing to file a formal complaint against Capital One for inaccurately reporting my credit card payments and the status of a secured credit card account. I have encountered significant issues with how Capital One has handled my credit information, which has adversely affected my credit score.

Late Payment Reporting on Two Credit Cards : Despite making timely payments, Capital One has reported late payments on [ mention the last four digits of the two credit card account numbers ]. This error has negatively impacted my credit history and score. 

Closed Secured Credit Card Account Still Reporting Negatively : Additionally, a secured credit card account with Capital One, which was fully paid off and closed in 2021, is still being reported negatively on my credit report. This account, with the account number [ mention the account number ], should reflect its true status as paid off and closed. 

These inaccuracies have not only affected my financial credibility but have also caused me undue stress and potential financial harm. I have attempted to resolve this issue directly with Capital One but have not been successful in correcting the inaccuracies. 

Enclosed with this letter are copies of relevant documents, including statements showing timely payments, the closure confirmation of the secured credit card, and any correspondence with Capital One regarding these issues. 

I request that the CFPB investigate this matter and assist in rectifying these inaccuracies with Capital One. It is imperative that my credit report reflects accurate information to maintain financial stability and credibility. 

Thank you for your attention to this matter. I am looking forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (NE)

Netspend is apart of XXXX, as I see this information, and on XX/XX/XXXX they closed my account, stated there was fraud on my account and the higher ups decided to close my account, they left me stranded at work no way home, as I take a XXXX home then they left me with no money for XXXX, and food on my plate, then, after asking for three weeks for my money to be sent to me and after waiting over 30 days they want to ask the higher ups if they can reissue the check come XX/XX/XXXX, they stated no money is leaving the bank until then, which I dont know what this bank is doing but they are not following state laws, they can not hold onto my bank account, and they lied about issues me a refund, there is no refund to me, as I would have cashed the check, and I as a customer should not have to be to blame for fraud on my account, simply they should have reissued me a new card, if that were the case, instead they violated my rights, and have not sent me my bank account balance for XXXX, and I want this money, it was my money to begin with, from my work check deposited XX/XX/XXXX to this bank. 
I have asked for their legal department number and address, and I want my bank account check overnighted to me, or I will seek council.
Consumer complaint received 2023-11-19
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. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (FL)

The company is reporting on my credit file, not once has the company sent me a letter about the debt. I was and I am not aware of any debt owed to this company. The amount is for XX/XX/XXXX {$120.00} for XXXX XXXX and for {$590.00} for a debt in XX/XX/XXXX this is fraud, I have never received a letter informing about a bill. I have contacted XXXX and was advised XX/XX/XXXX they have nothing for me at all and during this time the company was called progress energy and they can not locate a file for me for XX/XX/XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have also research the company and they do not have license to collect in Florida.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/16 I sent transunion a dispute in regards to some information i deemed to be inaccurate. I requested the written contract after they advised me that the item was verified. they haver not sent me any information
Consumer complaint received 2023-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I found a bicycle seller online and negotiated a price for a used bicycle and it's shipping to my residence. Seller suggested we use PayPal, instead of XXXX. 
I transacted the agreed amount with the seller ( I paid the " seller '' for the bicycle and it's packing/shipping separately ) through 2 PayPal transactions on XX/XX/2023, and XX/XX/2023. 
Seller never shipped the bicycle to me- they communicated frequently, suggesting different reasons for why they had not shipped the bicycle each time, and extending the date they said they would ship. 
I filed disputes for the 2 transactions with PayPal, asking for my money back ( both disputes filed on XX/XX/2023 ). PayPal reached out to the " seller '', who responded to PayPal and shared a XXXX tracking number as evidence they had shipped something. PayPal closed the dispute, in the seller 's favor, and had transferred funds to the " seller '' on XX/XX/XXXX and XX/XX/XXXX respectively. The XXXX tracking number shows delivery to somewhere in my city ( but it does not show a full address ) on XX/XX/2023. Meanwhile, the " seller '' sent me messages on XX/XX/XXXX that they had not shipped the bicycle. 
PayPal closed their investigation and are now asking me to file a dispute with XXXX ( who won't even share with me the destination address of the package ). 
This has resulted in me losing USD XXXX. XXXX has asked me to provide a " XXXX intranet form '' as evidence that I have filed an investigation with them. XXXX does not recognize such a form. I asked PayPal to join me in a 3-way call with XXXX, to hear from XXXX directly that the package was not delivered to my residence ( XXXX agent offered to do this for me ). However, PayPal agent won't support this request either. 

This serves to illustrate how PayPal is aiding and condoning online fraud while making money through transaction fees and absolving themselves of any losses from fraudulent transactions. On PayPal 's own website, several users have reported similar situation and advised PayPal that XXXX does not have an " intranet form ''. So, mine is not an isolated experience either
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-31
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I had in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complain on the following date ; XX/XX/year>. I am now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2023-11-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am writing to formally dispute certain entries on my credit report as I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and under 15 U.S.C. 1681c-2 ( a ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit report. 
The fraudulent accounts are as follows : 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/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (GA)

Mr. Cooper is continuing the practice they were sued under in case # XXXX. This lawsuit was filed by the CFPB and Mr. Cooper continues these same unethical practices. 

I filed Bankruptcy in XX/XX/XXXX. The Bankruptcy courts approved Mr. Cooper charging me {$950.00} while in Bankruptcy, but Mr. Cooper charged me over {$4000.00} in fees not authorized by the bankruptcy courts. 

Mr. Cooper at first denied my request for corrections so I supplied documentation showing where the fees charged by Mr. Cooper in XX/XX/XXXX ( motion for relief, attorney fees, and {$180.00} in filing fees ) were all filed incorrectly and dismissed by Mr. Cooper 's attorney in XX/XX/XXXX. This included all fees including the attorney fees charged and is clearly documented as being dismissed by the email evidence from my bankruptcy attorney as well as the court order filed XX/XX/XXXX, but Mr. Cooper refuses to correct this issue. 

When my loan was transferred to a new servicer XX/XX/XXXX these fees suddenly appeared. One fee is for an appraisal I was charged {$500.00} for that was never approved by the courts as required by law. I have additional fees of {$170.00}, {$100.00}, {$180.00}, multiple charges for {$1200.00} motion for relief, {$110.00} for another unknown fee, {$350.00} fee, {$140.00} in another fee, {$490.00} fee, and a {$600.00} fee. All of these charges can be found on the XXXX payment history I have attached. 

Mr. Cooper also incorrectly managed my escrow account. While they advised the new servicer upon transfer, I was behind 3 months in payments ( which was not true ) they grossly overcharged me in escrow resulting on the new servicer having to refund almost {$2000.00} in overpayments made to escrow. This is a violation of the law and can be found in the XXXX payment ledger as well. 

Enclosed : XXXX payment ledger 2. CFPB vs Mr. Cooper lawsuit 3. Amended Bankruptcy filing removing fees 4. Correct payment ledger
Consumer complaint received 2023-11-18
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. (CA)

i Disputed an collection account on my report with inaccuracies then XXXX, transunion and XXXX verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.