davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-05
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. (FL)

To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from XXXX, Equifax an XXXX credit karma that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the XXXX period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.
Consumer complaint received 2022-10-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc. (IN)

In accordance with the fair credit reporting act XXXX XXXX -GM Finnancial XXXX -XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy. 
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-05
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX of XXXX, payment was made to Captial One credit ( 2 ) cards, through a Lawyer 's office of Captial One " XXXX  ''. Bank Statements and the Assistances with a VA Representee that assisted me in paying the full amount to the XXXX XXXX XXXX in the amount of {$7500.00} and a {$590.00} legal fee charge to them in XXXX of XXXX. A Supervisor in the name XXXX ( Spelling may be wrong ) at XXXX, that they did not receive the payments and when asked for the complaint phone number for Capital One or his supervisor he said he didn't have to and that i need to pay them that amount. 
Not only, is this inappropriate for a Company to act and commit Frued of money that a consumer paid, they have no right in reporting that I didn't pay when evident proved they received the money. There was a total of 4 accounts and that they totaled over {$7500.00} for all 4. They show only two paid and the total amount of all four total on these two accounts. 
They have refused me information for them cooperate office in getting this mattered solved. They have Been paid in full and did not close all 4 accounts, they took the two that were paid off and add it to the two there saying aren't paid in which all four of the accounts where a total of {$7500.00}. They are defrauding me and reporting it on my credit reporty that I didn't pay them, in which I did pay all four cards off in full.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Attn : Legal Department Re : Dispute and Notice of Intent to File Legal Action Account : XXXX XXXX XXXX XXXX Dear Equifax Legal Department, I am XXXX XXXX XXXX once again regarding the incorrect and unverified credit entry associated with my XXXX XXXX XXXX  account ( ending XXXX XXXX ) on my credit report. Despite my previous attempts to have this matter rectified through written disputes sent, the inaccurate information specifically a false late payment report continues to appear on my credit file. 

This ongoing issue has not only undermined my financial integrity but has also caused me undue stress, financial harm, and has hindered my ability to obtain credit. The persistence of this error, despite my efforts to dispute it, indicates a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly concerning your obligation to report accurate information ( 1681e ( b ) ) and to properly investigate disputes ( 1681i ). 

I hereby demand the following : A thorough investigation of the disputed account to validate the accuracy of the reported information. 
Immediate correction and removal of the unverified late payment entry from my credit report. 
An updated copy of my credit report post-correction, sent to my address listed above. 
A written confirmation of the aforementioned actions taken in response to this notice. 
Please be advised that if Equifax fails to comply with these demands and continues to violate my rights under the FCRA, I am prepared to take legal action to seek all available remedies, including seeking compensation for damages incurred as a result of these violations. This may include, but is not limited to, damages for undue stress, financial harm, and the denial of credit opportunities directly attributed to this specific false reporting. 

I expect a response to this letter within 30 days, addressing the concerns and demands stated herein. I hope for a prompt and amicable resolution to this issue ; however, please be informed that my intent to pursue legal action is firm should this matter remain unresolved. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX  Balance : {$1400.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (CT)

M & T bank recently acquired People 's United Bank CT and communicated that n account number needed to be changed and used for ongoing electronic payments. They did not clearly state which account was changing. I submitted my water bill under the new account number which was returned as the debit was directed to my savings account not the checking account in which I thought was where the change was to. When I addressed M & T on this over a phone call on XX/XX/XXXX they said they did not cover fees for merchants. This fee is {$20.00} and due to M & T 's failure to properly communicate changes from their acquisition. I was notified of the returned payment on XX/XX/XXXX.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

What happened is my mom passed away about two years ago I inherited the house and I tried to call Umpqua Bank is the mortgage company and the man explain to me the house was in foreclosure, but I still had time to get the house squared away and put in my name the man sent me some papers to sign at the bank and it was supposed to be transferred into my name and I would continue with the payments instead, the house was auctioned the sheriffs auction without any notification to me so insured a guy had lied to me and I am unsure what to do now, so I figured I file a complaint the house was sold on XXXX for XXXX which I couldve at least short sell the house. The property was worth XXXX I feel like a bank didnt give me a proper notification. Give me time to figure out how to save the property. This is where Im filing a complaint.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2021 and XX/XX/2021 for two different account Debt Validation letter was sent by me using certified USPS mail with a return request to Portfolio RecoveryAsscociates, LLC the completed request was never sent back to me, things such as * Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
* Complete line-by-line accounting of alleged debt. 

Portfolio Recovery Associates LLC claims the unvalidated credit debt amounts for two separate accounts are {$6900.00} and {$600.00} ( as it illegally shows on my credit reports ). 

Portfolio Recovery Associates , LLC told my lawyer and me by letter that they believe they sent enough information. 

Also upon research on https : XXXX, it does NOT show that Portfolio Recovery Associates XXXX is Licensed to collect in Texas, yet they still ignored my attorney and I request to stop collection efforts along with never sending my completed debt validation request they still added it to credit reports which are damaging my reports illegally and wrongfully. 

I contacted my attorney and my attorney called me and informed me that " Portfolio Recovery Associates , LLC '' is violating Federal Law and that I should submit a complaint to the Federal Trade Commission. 

I have given Portfolio Recovery Associates almost a year now to make this right by removing these negative things from my report and life but they have yet to remove these negative reports from my credit report.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 
Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2022-10-04
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. (TX)

I have been disputing the following accounts with XXXX, Equifax and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XXXX XXXX, 2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC (OH)

I was contacted by Reliant Capitol solutions on XX/XX/2022 in regards to a community tax debt that is owed. The collector opened the call by threatening enforcement in his opening sentence. I at this time asked if he was a third party collector or worked for attorney generals office who was using to say enforcements through. He stated he worked for third party collection agency and not directly for community or attorney general so he did not follow any verification procedures or give me mini XXXX before disclosing debt.
Consumer complaint received 2024-01-30
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 looked at my report and on XX/XX/2023 I sent a letter to XXXX XXXX  and Trans Union to reinvestigate my accounts. 
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 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 XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 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 2022-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: VYSTAR CREDIT UNION (FL)

The company used against me the following 4 Key factors they are saying had adversely affected my credit score : 1 ). Number of accounts with delinquencies 2 ). Too few accounts currently paid as agreed 3 ). Length of time accounts have been established 4 ). Time since delinquencys is too recent or unknown These are the 4 reasons I was denied and all of them are lies. These reasons are untrue and doesnt actually portray my credit report or me. I actually feel they made up that scrap because they noticed from my ID I was a XXXX male.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WA)

The chime Bank close my account without warning on the XXXX of XXXX right before my SSI XXXX XXXX  got direct deposited into my account and I didn't know anything about it being closed until the XXXX right on that day and they said it's because of something to do with my direct deposit and now they are hanging on to my check instead of sending it back to SSI so they can send it to me so I can have my XXXX XXXX to pay my rent and my housing cost and now it's going to cause me to be kicked out of my apartment and be homeless cuz I don't have no money and I have no way of getting any money that's all I had to keep me going for the month and to pay my bills now they're trying to say it's going to take a month just for me to get my money through them and I thought it was illegal for them to keep the deposit that come into their Bank especially when it when it's closed bank account and they're supposed to be turning it automatically to the persons that send it to them which is SSI and not hold on to it and I told him I need my money right away so I can get my rent paid and all that and they said well sorry about other inconvenience this and that and they don't care now I'm going to be homeless and I don't know what to do about getting my money or getting money to pay my rent and and the stuff that I need for my for my place I can't even get any toilet paper then on anything else cuz of what they're doing to me and everybody is going through that that has SSI XXXX XXXXs or Social Security checks I strongly suggest don't go to this Bank especially when they close you out without any warning whatsoever and I hang on your money and makes it so you can't even pay your own rent at your bills that's not right to us people that are XXXX and very heavy money to start out with
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (CA)

I was supposed to be contacted for Compensation and also reimbursement for mechanical difficulties and finding XXXX and XXXX XXXX in car touched by my childeren someone was supposed to contact me back they did not I reported to my credit card company about issue also tht I was over chrged because I went for ev to gas car on top of ev did not have a charging port as requested also I was givin points and promised a solution did not recieved contact from XXXX now they are saying I have a outstanding balance which is not true I was promised compensation and also reimbursement 1.Mechanical issues 2.over charging 3.leaving contracts open 4.unsanitary /XXXX XXXX XXXX XXXX XXXX XXXX I truly would like to settle these problems amicably however I am ready to take legal action as XXXX consumer law applies to me aswell as everyone else please contact