davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
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. (NY)

Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX  in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. XXXX XXXX XXXX  violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, Equifax, XXXX ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Today XX/XX/XXXX, I accidentally misspelled the email I was sending money to for my monthly rental payment. I included in the note on Paypal it was for the rent and upon realizing the error notified Paypal immediately. 

Paypal on turn closed the case claiming the transaction was authorized ( even though there is evidence it was done in error and Paypal has access to both accounts ). 

I am currently out XXXX dollars because Paypal refuses to investigate the claim and simply closed it without making contact to me or the seller.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing this complaint against Midland Credit Management. Midland has failed to provide me with requested information about the alleged debt. I have made several attempts to rectify this by written dispute letters to them and the credit reporting agencies. All of my efforts in sending certified letters to them were of little or no avail. On XX/XX/2019, I received a demand letter from this debt collector Midland,  stating they were " uncertain of what you are specifically disputing ''. In my disputed letters, I clearly and respectfully ask in my letter for documentation of the following : ( 1 ) The signed copy of the original consumer contract, a contractual agreement that you say I owe and agreed to pay you ; ( 2 ) Any receipt ( s ) of sale ( s ) of the alleged debt ; ( 3 ) Copy of your debt collection rights, license or any proof that Midland is licensed to collect this debt in the state of Florida. Midland 's demand letter never included any of the requested information that would show ownership of this account. Let it also be mentioned, that failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the alleged debt. I hope this matter can be resolved soon and that it be taken care of amicably as my credit has taken a hit because of it.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
First Progress bank Account number XXXX unverifiable account
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

There was a collection account that was placed on my credit report from Penn Credit in XX/XX/2023. I did not have any prior acknowledgement of the debt by phone or a letter in the mail. When I called and spoke with a representative in XXXX, I asked for a validation letter to verify the debt. It took them over 2 months to send the envelope in the mail and when I opened it, it was a complete different persons information. I called when I received the information and was disconnected with no call back. When dealing with individuals personal information the employees should be careful on where they're sending information.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/21 I got into a wreck in my new car i only had for a month on my way home ( not at fault wreck ). I called Wells Fargo and told them it happened and they said they would take care of everything. When I was away at a military school in Florida my wife called me and said that the Gap company wasnt going to cover the loan because Wells Fargo failed to send the paperwork in on time and they sent the paperwork past the deadline. I have gone back and forth with Wells Fargo for almost a year now and some of the workers have been nothing but rude and not helpful
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2019-05-30
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: DISCOVER BANK (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX   {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}
Consumer complaint received 2019-03-13
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. (MI)

I filed disputes with the 3 major credit bureaus Experian, XXXX   and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

I signed up with a {$100.00} bonus for opening my account with M & T and doing 15 transactions with my debit card. According to correspondence from XXXX from customer service, sent to my online banking secure messaging on XX/XX/XXXX, " if 15 or more qualifying purchases are made with your M & T Debit Card by XX/XX/2919, a {$100.00} Cash Bonus will be credited to the account by XX/XX/2019. '' If these are the terms of the promotion, my account is eligible for a {$100.00} cash bonus. Further in the email. it says that no purchases have posted to my account. I have made over 15 transactions on the account, and they were all made prior to XX/XX/2919.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I havent been keeping eye on my credit report because I have everything I need I have a car I have a home so I havent been getting my credit pulled but the other day i decided to check my credit report just because and i see that their inquires on my credit file I dont recognize from dealers and banks. I am a victim of identity theft from a couple months ago due to leaks but so some might be from that Ive had the police involved already once so now I just need the credit bureaus to remove the fraudulent activity off of my file please. I have no knowledge of whats going on with my file. Please remove
Consumer complaint received 2023-06-12
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments. 

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX
Consumer complaint received 2019-08-16
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. (NV)

Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.
Consumer complaint received 2023-06-12
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. (NY)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Consumer complaint received 2023-06-12
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. (NC)

Inaccurate information on my personal credit report, along with this CFPB complaint I am attaching statement, proof of identity, fraud affidavit, along with itineraries and witness statements confirming the record.
Consumer complaint received 2023-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX to ShellPoint. 
On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. 

This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. 

I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. 

I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (OK)

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, the following are unauthorized hard inquiries ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX. 
On my Equifax credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not recognize any of these. I called the companies on my XXXX, Equifax and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-12
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. (SC)

XXXX ) For XXXX XXXX I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of {$4900.00} 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX {$930.00} I told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

XXXX ) XXXX XXXX XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

XXXX ) XXXX XXXX XXXX # XXXX {$460.00} They fail to provide me statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is a public record that is still appearing on my TransUnion credit file. I have disputed this many times, this is not accurate nor verifiable. Do I need to get an attorney?