davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
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. (VA)

Dear Sirs : I opened a loan with XXXX XXXX in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local XXXX XXXX in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Consumer complaint received 2018-07-23
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. (VA)

Dear Sirs : I opened a loan with XXXX XXXX in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local XXXX XXXX in XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (AZ)

On XXXX XXXX, 2023 The Law Offices of PATENAUDE & FELIX , A.P.C. communicated with me without my prior DIRECT consent nor the consent of a Court order ; violating the FDCPA ( section 1692c ). The Law Offices of PATENAUDE & FELIX , A.P.C. sent me a notice via US Mail of a settlement offer further stating that I owe an alleged debt ; direct violation of FDCPA ( section 1692b ). Since I never had a prior agreement nor valid contract with PATENAUDE & FELIX, A.P.C., their collective actions of attempting to collect an unverified, non-validated, and alleged debt by an unfair and deceptive means ; this action is in direct violation of the FDCPA ( section 1692f ). The Mailing is missing the required disclaimer per the Domestic Mail Manual codified in 39 USC 3001 & 3005. 
The Law Offices of PATENAUDE & FELIX , A.P.C. have collectively violated my right to privacy and created a false account in my name without my written consent.
Consumer complaint received 2018-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.
Consumer complaint received 2018-07-23
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: Experian Information Solutions Inc. (NJ)

I called XXXX  on XX/XX/XXXX to report that I have tried numerous times to dispute inquiries that were done without my authorization and to have them removed. The representative kept directing me to their site where the dispute can be processed which I have done so many times, XXXX has proof of the disputes online. Why must I keep filing online and it not get processed. Once again, as I mentioned in a prior dispute it seem like the bureau PROFITS from bad credit and does not want to remove something that did not belong on my credit because it WAS NOT authorized by me. XXXX XXXX, XXXX, XXXX XXXX   seem to continuously try my credit for approvals. Look at dates, they don't make sense. Because of these banks constantly applying fraudulently on my credit I processed a credit freeze to protect myself and inquiries KEEP hit my credit!! How is that possible. The following inquiries I reported to have removed - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-03-11
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. (MN)

I sent dispute letters on XX/XX/2022 to Equifax in which they have sent me the same generic response back stating that the items for my auto loan is verified by the company. I asked them to send me their method of verification AND reinvestigation of the following inaccurate and unverified account for XXXX XXXX. Its displaying 1 late payment which is incorrect and is very detrimental to my credit report. They have refused to send me any information and each time I call I am getting different responses from the reps, who said they never received the letter or another person saying they received it but it got misfiled? I am very upset and confused. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Consumer complaint received 2022-06-11
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: WELLS FARGO & COMPANY (NJ)

In accordance with the Fair Credit Reporting act Wells Fargo Home Mortgage Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-14
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. (GA)

Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

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 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc. (FL)

On XXXX my daughter signed a lease agreement with the XXXX XXXX XXXX XXXXXXXX XXXX apartment complex in XXXX FL, I cosigned the agreement for her at that time, even though I realized that the contract was very uncomfortable. My daughter was supposed to move in on XX/XX/XXXX to start the school year at the XXXX university. Covid 19 hit the country by the end of XXXX and then on XXXX XXXX suspended the in person classes for the XXXX due to the Lock downs in the state. We tried to contact the complex by all means available but they did not respond until after the lease began on XX/XX/XXXX. By this time, they sent a letter saying that she was supposed to move in, we tried to negotiate the lease by giving them different options like to pay 3 months in advance and get rid of the contract, to be allowed to posponed the lease for XX/XX/XXXX and thus my daughter will live it for the agreed time, 1 year lease. We also offer them to allow us to pay up to 5 months by monthly payments to get rid of the contract, but none of these was good for the management. As a result, when the contract year ended on XX/XX/XXXX, they send the total debt to collection as expected. The company named PROCOLECT, INC contacted me to collect the debt on XX/XX/XXXX. I sent them a letter in which I requested time to get into an agreement and in less that 10 days they reflected the negative account on the credit bureau which I believe is a violation of the Fair credit reporting act and the consumer financial protection. 
I disputed the account with the XXXX bureau but they found the dispute valid.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (IL)

Hi, My name is XXXX XXXX and I have been dealing with this Discover Bank issue for months to no avail. I am trying to go for a mortgage loan and Discover is just deliberating bashing my credit score while I have been a customer for over 3 years. I need the CFPB help pertaining to this issue. Please see the attached document posted below.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

XXXX INNOVATIVE RECOVERY INC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of identity theft reports XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (AL)

Please see complaint # XXXX - XXXX. The company 's response to CFPB is that they will cease collection activity. I do not owe this. This is not my account. I want it removed from all 3 credit bureaus immediately. See below for the company 's response. 

XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and requested debt validation for the account placed in our office for collection. The requested information was received in our office and has been forwarded to you at the address provided in your complaint. We have also reviewed our records and there is no indication that CBE was notified of a dispute prior to this complaint being filed. Based on your complaint, CBE has ceased collection activity on the account. Sincerely XXXX XXXX CBE Compliance
Consumer complaint received 2018-07-23
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. (MD)

On XXXX2018 I made a payment of {$490.00} to XXXX XXXX Bringing me current ) On XXXX/2018 I made a payment of {$50.00} to XXXX XXXX Keeping me current ) On XXXX/2018 I made a payment of {$53.00} to XXXX XXXX Keeping me current with decrease in balance owed ) However, my credit report as of XXXX/2018 has yet to be updated correctly. 
I called XXXX and filed a dispute sometime in the month of XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XXXX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three XXXX accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both XXXX and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but XXXX has three separate account on my credit when in XXXX I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

XXXX-confirmed customer service to deposit payroll check via mobile app with 100 % funds available XX/XX/XXXX. Funds deposited and placed on hold. 
XXXX2-customer service confirmed funds available after midnight as day is not considered holiday for Citibank, considered business day. 
XXXX-customer service via telephone multiple transfers, call lasting over 60 minutes while customer service rep attempting to have a branch remove hold. Unsuccessful reaching a branch. Assured return call within 24 hours. 
XXXX attempted to call multiple ( x20 ) branch locations myself, all except 2 finally answered, left messages for manager to return call. No return response received. 
XXXX account now overdrawn partial funds off hold. Customer service provides script answers now saying hold will be released XX/XX/XXXX. Call to accelerated customer service, placed on hold 20 min, then call disconnected. Attempted to call branch again, reached XXXX XXXX, same 1 as message left XX/XX/XXXX. Left 2nd message with staff for manager XXXX to return call to assist. Still no return call. Citi appears to be lying to customers in efforts to secure their funds and then withhold and block customers from access to assistance forcing them to have funds held XXXX and wait for their imposed time limits to access funds.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX medical center Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Hey my name is XXXX XXXX Im coming on here to get help on what my bank did to me Im a loyal and honest customer and I been receiving fraud activism my account for quite some time off and on and then I try to get my dispute on things and they denied me based on me not saying multiple things in btw which I did say multiple other stuff but the guy just didnt understand me and he just agreed to everything Im asking for my XXXX on XXXX XXXXs and my XXXX on XXXX XXXX which was used for by i dont know whom it was taken out my account and Im being blamed for it I feel discriminated towards which I dont understand why the XXXX man have to be the one thats lieing in there eyes all Im asking is my money back that was taken and other inquiries on there before they closed my account they also was going to credit other items that was frauded from my account money also but they closed it and said they cant do nothing for me which is my hard earned money if u can please help me I dont want to take it legal matters but its getting to that point if u can please help me Ill appreciate it. Thanks!
Consumer complaint received 2022-04-05
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. (SC)

I have disputed information on my credit report as a result of identity theft. I submitted my FTC ID theft report and formal request with proof of identity to Equifax requesting they block/delete the harmful and damaging fraudulent accounts as pursuant to section 605b of the FCRA. The information continues to report which is a violation punishable of {$1000.00} per instance. I submit this complaint as a victim of Fraud Enablement after providing all necessary information to remedy this unfortunate situation.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been sending me collection notices in the amount of {$100.00}. 
The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature