davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 
The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Re Vanilla Visa Gift Card, XXXX XXXX XXXX XXXX spoke by phone with Visa GC rep regarding {$50.00} gift card received in XX/XX/XXXX -- XXXX balance on card. XXXX stated card " had been used XX/XX/XXXX out of XXXX XXXX for an XXXX purchase ''. I received the card in tact in XXXX, and therefore made no transaction. I was told by rep investigation could take " up to 90 days ''. I submitted a detailed letter to Vanilla Visa Gift Card customer service address in XXXX XXXX  on XX/XX/XXXX, with no response. A follow-up letter was sent XX/XX/XXXX, am awaiting hopefully for a response ; however, dim. I am asking for your assistance at this time to have Vanilla Visa Gift Card company to honor their agreements, and provide me with a VALID {$50.00} gift card. Thank you.
Consumer complaint received 2022-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

I HAVE A MORTGAGE WITH UNITED WHOLESALE MORTGAGE... I DID MISS A PAYMENT IN XXXX XXXX OF {$720.00}, AND BEEN MAKING OVER PAYMENYS EACH MONTH SINCE THEN WITH WRITTEN INSTRUCTIONS TO APPLY THE EXCESS FUNDS DIRECTLY TOWARD MY MISSED XXXX PAYMENT EACH MONTH..THEY SAY NO THEY ARE PUTTING IT INTO WHAT THEY CALL A APPLIED FUNDS ACCOUNT NOT TOWARDS THE MISSED XXXX PAYMENT. SINCE XXXX EVERY MONTH THEY KEEP CHARGING ME A NEW LATE CHARGE EVERY MONTH.. I WAS ON THE PHONE WITH THEM YESTERDAY AND THE LADY SAID THEY RECEIVED XXXX PAYMENTS MID MONTH FOR OVER {$700.00} FROM ME AND ON XXXX XXXX I SENT A PAYMENT OF XXXX THEY SAY I STILL OWE THEM A PAYMENT FOR.. {$78.00}, THEY SAID FOR ESCROW, INCREASED TAXES AN HOME INSURANCE INCREASES... I TOLD THEM NEITHER XXXX XXXX HAS EVER NOTIFIED ME OF A INCREASE IN POROPERTY TAXES OR MY HOME XXXX. XXXX NOTIFIED ME OF A INCREASE OF XXXX PREMIUMS... I SAID I THINK I SMELL SOME EMBEZELMENT HERE THEY HUNG UP ON ME,
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (FL)

on XX/XX/2021 i sent XXXX dollars to my sister in XXXX with world remit money transfer after 2 or 3 days they texted me saying that my recipient got the money but the next day my sister called me and said when she went to the bank to pick up the money there was no money so i called the customer service twice to find out what happened to my money and they keep telling me they are still waiting communication from a local partner that they will get back to me as soon as they find out but im still waiting for them to get back to me, in the meantime my money is lost. i just want my money back.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (ND)

XX/XX/2022 - I submitted a request through my online XXXX XXXX XXXX XXXX XXXX Webster Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was already verified with micro deposits. 

XX/XX/2022 - I submitted a request through my online XXXX account to transfer {$8500.00} from XXXX XXXX XXXX XXXX XXXX  also verified by micro deposits, into my XXXX XXXX savings account. 

XX/XX/2022 - {$21000.00} was withdrew from my XXXX savings account. 

XX/XX/2022 - {$8500.00} was withdrew by XXXX from my XXXX XXXX XXXX account. 

XX/XX/2022 - Received two emails from XXXX with reference numbers that my transfers have been stopped ( see attachments ). I responded and then called in immediately. I spoke to a representative who told me they need to verify accounts with Photo IDs ( which I had sent in already at account opening ) and statements ( which I thought strange because they have already been verified with micro deposits ). I sent all of this information in on XX/XX/2022 and again on XX/XX/2022 ( see attachments ). 

XX/XX/2022 - XXXX confirmed received, and said they still need to verify account. I resent them all the documents. 

XX/XX/2022 - Re-emailed all documents and ask to please look into this, as neither transfer had been completed. Also sent to XXXX, as she had replied to an earlier email. 

Called in after getting no response. They told me they received the documents, and they are under review with their back-office staff. Told me to expect a XXXX hour turnaround time. 

XX/XX/2022 - Called again and they had no answers for me. Told me they would send an expedited email to their back-office. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

XX/XX/2022 - Called again for an update. They had no answers and said they are still waiting for a response. 

As of XX/XX/2022 I am still waiting on the transfers. I do not know where my money is, as XXXX must have it in a holding account. I am losing out on interest. Please note that XXXX is a sub-brand of Webster Bank.
Consumer complaint received 2024-02-01
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX.
Consumer complaint received 2022-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XX/XX/22 I put a request for a refund for my payments made during the XXXX pandemic with FedLoan. FedLoan stated it would take up to 60 days for me to receive my refund. 

On or about XX/XX/22 I called FedLoan for an update on my refund and I was assured it would still be received in the 60 days timeframe. 

As of XX/XX/22 I have not received any refund yet and the 60 days has elapsed. I have not been contacted by FedLoan to explain any delays or problems. I checked my profile online and confirmed my address and other information was current. 

I am concerned that I will not receive my refund ever or in a timely manner. Over 60 days has been too long to obtain a refund.
Consumer complaint received 2022-11-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (MO)

On XX/XX/2018 I bought a vehicle from XXXX XXXX XXXX XXXX, Financed from XXXX XXXX XXXX, then sold debt to Westlake Portfolio Management. I was never told I had XXXX  days to rescind the agreement nor was i was given the notices that came along with all consumer credit transactions.I participated in a consumer credit transaction and not a loan Pursuant 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with my consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me. They are in direct violation of this law. Violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, we are not liable for any finance charge, security interest, etc. becomes void effective immediately.
Consumer complaint received 2021-09-10
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. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2023-12-22
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. (TX)

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report.

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX  ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-10-25
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: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX is refusing to investigate and reverse a charge on my credit card for which I have received NO services/goods from the so-called merchant. AMEX is discriminating against me as a minority and there are a considerable number of reviews of AMEX refusing to properly handle disputes for minorities online.
Consumer complaint received 2022-10-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (TX)

Omni financial keeps reporting that I owe a ridiculous amount of money. The original loan wasnt for the amount they are reporting however they keep reporting that I owe them over XXXX XXXX  In XXXX last XXXX they reported I owed them XXXX and now they say XXXX when this loan has been closed for XXXX. They also keep reporting that my payment is late every XXXX drastically ruining my payment history on my credit report when this account has been charged off for over XXXX XXXX!!! It is fraud to report that I am late more than XXXX XXXX and ruin my payment history. This company is fraud and takes advantages of soldiers. They were also involved in litigation for over charging soldiers. They also are charging XXXX XXXX interest instead of the XXXX XXXX mandated by XXXX. Frauds!!
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (TX)

In XX/XX/2021 I started training classes with XXXX XXXX to upgrade from a class B XXXX holder to a class A XXXX. These were train to hire classes meaning the instructors work for XXXX XXXX and we're there to solely train us to XXXX XXXX XXXXXXXX XXXX for the outcome of working for the company ( XXXX ). However, being harassed and things not going well with Mentoring, I specifically requested a female mentor instead I was given a male mentor, that didn't work, I requested again for a female mentor and yet again they were trying to give me a male mentor. I felt as if they were recruiting for something other than a driver so I didn't begin working for them ( solo without mentor ) I am now being harassed by a debt collector ( displaying on my credit report ) that I owe XXXX XXXX over XXXX XXXX dollars. During the time of my training XXXX XXXX was not listed as an accredited school and the instructors work for XXXX XXXX. The debt collector nor XXXX XXXX representatives when calling gave me a clear answer as to how I owe XXXX? In fact, XXXX representative hung up on me. The debt collector ( Lockhart ) stated I signed an agreement to pay them, however, there were a lot of documents thrown at us ( the class ) to sign, I don't recall signing anything to that nature. When I requested the letter it was never sent to me. Therefore, I am still wondering how is it that I legally owe XXXX XXXX when they are not an accredited school? Who did they pay on my behalf that I would owe them over XXXX XXXX dollars? The instructors work for XXXX XXXX
Consumer complaint received 2022-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I made a cash deposit at the TD bank XXXX XXXX XXXX in NY. The ATM took my money, however did not credit the account and said on the receipt " forced deposit {$2000.00} ''. It was end of day I went into the branch to complaint about what had happened with the ATM and my money, three TD bank workers were there and told me there was nothing they could do for me to wait until the ATM gets serviced and they would take care of it. I had no idea I had to do anything else. I trusted their word and off In Went. Two weeks pass and there was no money in n my account. I called the general customer service and they said that I was in supposed to file a dispute the day it happened at the branch. They opened the dispute and I waited for a week and nothing. I called the branch and was told the dispute was the wrong one and the right one was submitted. Three days ago I saw the XXXX on my account and the next day it was removed!. I called the customer service and they said their so called investigation was closed and that probably the ATM returned me the money. I asked them to show me the footage of the machine doing that because that never happened,!. They didn't even bother to look at the cameras. I challenge them to do that. Now the branch is saying for me to show them the ATM receipt when customer service can see the copy from the ATM they told me they could see what the receipt says. I'm getting the run around from this bank. Whoever serviced the ATM is pocketing my money since the branch is saying is not them. Please help me recuperate my hard earned money.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (NY)

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXXXXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE SEE ATTACHMENT FOR THE FOLLOWING 6 ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus