davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To my complete surprise, I discovered inaccurate accounts on my credit report this morning, and Im at a loss for how it could have happened. I check my credit regularly, and everything was fine until now. I even tried refreshing the browser, hoping it was some sort of error, but that didnt fix it. The inaccuracies remained. I urgently request that the documents Ive sent are closely reviewed so I can finally stop worrying about this happening again.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MT)

This is the THIRD hack on my credit card at this company since XXXX and each hack gets more aggressive. In this instance, I got an email informing me my username had been changed. My credit card was charged {$630.00} for an online purchase at XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX award points were used to purchase air travel ticket ( s ). 

Credit card company immediately resolved all issues.
Consumer complaint received 2024-08-11
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. (NY)

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed ASA.

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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. (NY)

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX  XXXX XXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

There Is a motion on XX/XX/XXXX to reset foreclosure sale date on this 100 % foreclosure fraud case against defendant. XXXX XXXX XXXX has sold/transfer/assign this mortgage to : PennyMac. I have been told at courthouse to my face by attorneys that '' Too Big Too Fail '' XXXX XXXX XXXX does not EVER lose a foreclosure case XXXX County Courthouse despite strong evidence against them. 

1. There is case # XXXX XXXX vs XXXX before Florida 's Supreme Court addressing Florida 's 5 year statute of limitation schedule to hear open oral arguments on XX/XX/XXXX. Statute expired on this case XX/XX/XXXX but case continues to be re opened by Plaintiff attorney by paying {$50.00} to court. 

2. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Loss/Destroyed Original Note/Mortgage, Plaintiff and domestic financial terroristXXXX XXXX XXXX lacks legal standing ( do not own mortgage ) funded and sold off originally by now defunct XXXX XXXX Bank, robo signing, robo testifying at non jury trial. ENTIRE COURT FILE DISAPPEARED at non jury trial & continues minus few loose pleadings but granted summary judgement by court. XXXX due process. For heavens sake how is this possible in our sacred American Judicial System where justice and facts are suppose to prevail? 

3. Force placed homeowner insurance obtained by XXXX at illegal price gouging rates XXXX, XXXX times normal amount they know this is 100 % accurate. 

4. XXXX XXXX XXXX uses XXXX County Courthouse to lie, cheat, steal, laugh, disrespect, violate, abuse, XXXX, intimidate every Florida judicial foreclosure civil law in existence on contested and un contested cases. 

5. I want any Department of Justice settlements with this XXXX XXXX XXXX under the Holder administration applied ( Full principal forgiveness ) immediately to this case. XXXX or XXXX cents ( XXXX, XXXX ) on dollar deals to settle are a JOKE & non deterrent in anyway for these lucrative bank home theft deals, just cost of doing business. Once these deals signed by bank executive/s it was business as usual on the way out the door with no admission of wrongdoing.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. please provide me with the direct contract in which it is that they have with XXXX XXXX that they are authorized to collect for them, and not just a company that bought a debt. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by [ XXXX XXXX XXXX XXXX ], a debt collector for XXXX XXXX  XXXX 

Insurance was obtained on a car that we didnt have a month, when the car was repossessed because financing wasnt available I didnt cancel the insurance ; therefore I was charged insurance for a car I didnt have in my possession. I contacted the insurance company when I received the bill and gave them this information. I believe the insurance company owes me a refund. 

I received a communication from [ XXXX XXXX XXXX XXXX ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ XXXX XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: V and H Portfolio (NY)

I never heard of this company and for some odd reason they took over a company that no longer is in business since XXXX from what I understand. Of a company or furniture company is no longer in business and the purchase that I made was paid in full why is it that this company took over a debt collection from XXXX which does not make sense it started in XXXX and this company from what I understand been out of business along with the furniture company there's no account number there's no other information about this company but it's on my credit report the company did not provide enough information about the situation but XXXX has nothing to do with the situation I had with the company that was in business in XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (SC)

I am disputing the account reported as closed/charged off with a balance. 

It is listed as : Account charged off. {$930.00} written off. {$890.00} past due as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Reporting a balance on a charged-off account is inaccurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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 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 2017-03-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2010, XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I disputed a tax lien thats incorrect on XXXX/XXXX/2015 via certified mail on XXXX/XXXX/2015 I received a response from the credit bureau that they previously verified and will not investigate it. I disputed this in XXXX of 2015 to get the info correct and they said they verified, I asked for method used to verify with no reponse
Consumer complaint received 2024-10-29
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings (LA)

IQ Data International contacted me regarding charges for an apartment I previously rented at XXXX XXXX. I left the apartment in good condition, as verified during a final walk-through with management, who confirmed my remaining rent would be deducted from my deposit and noted no further charges. However, six months after moving out, I received a charge of {$730.00} for blind replacements. Then, another six months later, I was charged {$2100.00} for carpet replacement. I am disputing these charges, as there was no damage caused by me, and no issues were noted at move-out. 

Recently, IQ Data International representatives began calling my work phone, threatening to report these charges to my credit and stating they would continue to contact me if unpaid. I have requested clarification and a review of these charges, as I do not consider myself responsible for these fees, given my adherence to the move-out procedures and their confirmation of the apartments condition.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I am experiencing a severe issue with my Equifax credit report, where my score has plummeted from XXXX to just XXXX, with no prior correspondence or explanation from Equifax. 

I am in the middle of applying for a home mortgage. As of XX/XX/XXXX, my Equifax score was XXXX. After a hard inquiry on XX/XX/XXXX, it dropped slightly to XXXX, and additional inquiries on XX/XX/XXXX and XXXX had no further impact. However, on XX/XX/XXXX, a bank I applied with informed me that my Equifax credit request had failed. Checking XXXX XXXX on XX/XX/XXXX, I saw that my score had inexplicably dropped by XXXX points, leaving me with a score of only XXXX. 

Today, XX/XX/XXXX, I contacted Equifax, speaking with four different agents who claimed that there was no record of any bank or credit account in my name and that no credit information could be found associated with me. Despite me conveying my recent healthy score and willingness to share evidence, the agents refused to provide an explanation or any immediate solution. Furthermore, when I attempted to raise a dispute on XXXX platform, I found that the dispute option for my account was disabled ( Screenshot No. 5 ), and agents refused to reopen it and gave no rationale. 

Equifax has instructed me to send a copy of my SSN and drivers license by mail to their office, a process that Equifax Agents claim will take at least 7 business days upon receipt of documents. This delay will prevent me from proceeding with my mortgage application, causing serious financial and emotional distress and risking the loss of our long-awaited opportunity to purchase a home we have been pursuing for over six months. 

I respectfully request urgent assistance from the CFPB to resolve this issue with Equifax as soon as possible. 

Attaching Screenshots for : 1. Credit Report on XX/XX/XXXX ( Source XXXX XXXX  XXXX XXXX  ) 2. Successful Hard Inquiries XX/XX/XXXX & XXXX ( Source XXXX XXXX XXXX XXXX ) 3. Rating History from XX/XX/XXXX to XX/XX/XXXX ( Source XXXX XXXX XXXX XXXX ) 4. Current Equifax Credit Report ( Source my Equifax web portal ) 5. Disable Dispute option ( Source my Equifax web portal ) All screenshots taken on XX/XX/XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (VA)

In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on XXXX case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " XXXX XXXX  '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.