davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (WI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (TX)

This balance is incorrect. It is unreasonable that I have been trying to get this resolved for over 5 years. The {$50000.00} payment was not corrected posted in the first place. I had to fight to get this corrected and this took almost 2 years. As stated the balance was {$51000.00} after the {$50000.00} payment, {$940.00} payment XX/XX/XXXX, XX/XX/XXXX, {$940.00} payment XX/XX/XXXX, A payment of XXXX was made on XX/XX/XXXX, payments of {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were made, and {$10000.00} was made on XX/XX/XXXX. A total of {$50000.00} in payments have been made. The current balance can not be {$38000.00} as stated in the letter. Payments have been made over the current balance, so again there should not even be a balance.The payments have exceeded the balance by {$12000.00}
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NJ)

Proof of payment history was provided, Hyundai is stating i had a late payment when clearly a XXXX payment was submitted. Yes, I had a family death and even being out of country a Payment was submitted. The bank I processed the payment did pay XXXX $ and clearly hyundai is showing a payment. somehow they fail to be transparent, stating they must show accuracy. How is that being accurate? Looking at my history never been an issue? Now XXXX was a problem. Be consistent and Transparent as a customer I expect a solution.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-07-19
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( Original Creditor:XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

I initiated a transfer of my student loan refund into my XXXX XXXX account at approximately XXXX XXXX Subsequently, I enhanced the security settings of my Citibank online checking account, with the intention of bolstering its protection, and transferred the said refund from XXXX XXXX to Citibank. 

Approximately two hours post-transfer, at around XXXX XXXX, I attempted to execute a payment of {$77.00} to XXXX, the XXXX XXXX, through my Citibank account using my Citibank debit card ending in XXXX This attempt, and subsequent attempts, were declined without explanation. Upon trying to access my Citibank account via the mobile app, I discovered that access was denied. Efforts to transfer the funds back to XXXX XXXX were also declined. 

Further attempts to access my Citibank account were met with a message indicating that the account was blocked. Contact with Citibank customer service for resolution was unproductive ; representatives were unable to verify my identity with the information I provided, which had never been an issue in the past. Each interaction with customer service ended abruptly as representatives disconnected the call without offering any resolution or explanation. 

As of this report, I remain unable to access my account. The lack of access to my funds, coupled with the dismissive and unhelpful attitude of the customer service representatives, has left me in a precarious financial situation. The inability to access my own funds, the absence of a clear explanation, and the apparent disregard for resolving the issue lead me to believe that this situation constitutes fraud or theft by the bank. 

I firmly believe that the actions, or lack thereof, by Citibank have resulted in the unauthorized withholding of my funds, constituting a breach of trust and potential fraud/theft. The refusal to grant access to my account or return my funds, despite multiple attempts at resolution, supports this claim.
Consumer complaint received 2023-07-19
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( Original Creditor:XXXX  XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (LA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against NCB MANAGMENT SERVICES Dear Sir/Madam, I am writing to file a formal complaint against NCB MANAGMENT SERVICES regarding their attempts to collect a purported debt from me as of XX/XX/24. I dispute owing any and all debts to NCB MANAGMENT SERVICES and request your intervention in resolving this matter.

Firstly, I want to emphasize that I am revoking all rights of NCB MANAGMENT SERVICES to communicate with me via email, text, or phone calls regarding this matter. I request that they cease all forms of communication immediately and correspond with me solely via written mail. 

Furthermore, I am requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). [ Collection Agency Name ] has failed to provide any documentation or evidence proving the existence, validity, and ownership of this debt, including but not limited to : 1. The purchase agreement between NCB MANAGMENT SERVICES and the original creditor. 
XXXX. Proof of licensure and bonding as required by law. 
XXXX. Any agreements or contracts that demonstrate my obligation to pay this debt. 

It has come to my attention that NCB MANAGMENT SERVICES has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in violation of my rights under the FDCPA.

Additionally, I have not been given the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( * ). NCB MANAGMENT SERVICES actions constitute false, misleading, and deceptive practices, which are clear violations of consumer protection laws.

Furthermore, NCB MANAGMENT SERVICES has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as per 12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( XXXX ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against NCB MANAGMENT SERVICES for their unlawful and unethical practices. 

I really appreciate your attention to this matter and look forward to your prompt response. Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE CENTER, LC (VA)

On XX/XX/ I made my mortgage payment in the amount of {$1300.00} to the Mortgage Center This payment was made from my online banking account with XXXX XXXX XXXX. The Mortgage Center didn't receive my payment until XXXX. This caused a late payment and a negative credit rating. I emailed XXXX XXXX, XXXX XXXX Representative. She advised that payment wasn't received until XXXX. I notified my XXXX branch XXXX, XXXX XXXX. She was told, by the Mortgage XXXX, that the payment wasn't received until XX/XX/2024. XXXX XXXX, XXXX XXXX XXXX, provided the phone number to her boss XXXX XXXX at XXXX ext XXXX. It is my understanding that payment will be applied the day payment is received by branch. However, after auditing my payments, it does appear that most payments are applied within XXXX hours of receipt with few exceptions.
Consumer complaint received 2023-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

After giving birth to my child, I accrued medical bills due unbeknownst to me due to the 30 day birthday rule after my insurance paid for my child 's post 30 day stay & did not pay for the initial 30 due to my husband 's birthday being first. 
After several months of working with the XXXX  group to change several things, i.e. charge my husband 's insurance, untimely filing according to his insurance, as well as appeals & having them change their tax ID to be within network my bill was officially paid by XX/XX/2023 with verification XX/XX/2023 when I called & spoke to the XXXX representative via phone call. 
I had gotten a few calls from XXXX XXXX XXXX XXXX & had asked them to put my account on hold, as well as having the XXXX  group ask them to place my account on hold, which they had agreed to. 
Again, as of XX/XX/2023 my bill was paid in full & I owed a balance of {$0.00}. 
However, I have had an account opened in my name on/around XX/XX/2023, consequently dropping my credit score from near excellent, to below XXXX, which it has never been in my life time. 
When contacting XXXX XXXX XXXX XXXX XX/XX/2023 they had said they would update their end, however, was asking how I would like to pay the accrued interest of {$2000.00} as well as receiving a letter in the mail speaking of legal action on XX/XX/2023.
Consumer complaint received 2023-07-19
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. (NC)

This is my 9th 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 XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX  and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, US BANK never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but US BANK repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact US BANK, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cass & Associates (CA)

I received a letter from Cass and Associates for XXXX demanding payment in the amount of {$7300.00}. I immediate sent a dispute letter advising I had no knowledge of the account and requested verification and validation, however Cass did not provide this information but instead sent me a letter demanding I call within 10 days to make payment along with an unfilled plaintiffs summons and order to go to small claims court I believe. The letter is signed by XXXX XXXX XXXX Department after searching the XXXX XXXX  I find no active license for XXXX XXXX. I believe this agency is using intimidation tactics to demand payment for debts not owed as a form of fraud.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

In accordance with the fair credit Reporting act 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Consumer complaint received 2023-07-19
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. (TN)

This is XXXX XXXX, and I am submitting this CFPB complaint in accordance with the FCRA to formally dispute the unauthorized inquiries listed on my credit report. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Please provide me with written confirmation that the fraudulent inquiries have been removed from my credit file within 15 business days. Failure to do so will leave me no choice but to escalate this matter further.
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.