davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MN)

I contacted XXXX because they continue to report incorrect information about XXXX old loan accounts I had with EdFinancial. I disputed these inquiries ( with documented proofs ) using XXXXXXXX XXXX online dispute form, and was contacted about a week later saying XXXX resolved the dispute. However, when I logged-in to see the resolution, all XXXX did was leave me a note saying that the EdFinancial information was correct. When I originally submitted the dispute with XXXX, I informed them that I had already attempted to resolve this issue with EdFinancial but EdFinancial still had not removed the incorrect information, nor have they done anything else to correct the error. The last time EdFinancial updated my file with XXXX was almost XXXX XXXX ago - and since then EdFinancial has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to EdFinancial and XXXX but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why EdFinancial refuses to correct my information and why XXXX refuses to update the EdFinancial information.
Consumer complaint received 2024-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (FL)

To Whom It May Concern, I am writing to formally dispute an inaccurate collection entry on my credit report related to an amount of {$1800.00} under XXXX XXXX. This entry is the result of identity theft, and I request its immediate removal. This error has significantly impacted my credit score, financial standing, and ability to secure new credit. 

The Federal Trade Commission ( FTC ) identity theft report is attached for your reference and verification. Given that this collection is fraudulent, please take prompt action to remove it from my credit report. I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (CA)

I want a payoff statement on XXXX XX/XX/year>, so I went to Freedom Mortgage site of payoff subsite. I didn't know until I clicked it and it was processed that there is {$30.00} fee. The fees are listed in a separate subsite not where the request page is located. this is unfair. Freedom Mortgage should disclose the fees on the payoff request page.
Consumer complaint received 2024-10-23
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. (SC)

I have received a notification that my dispute with XXXX will not be resolved possibly until 60 days! Please show me where that is timely, because it is not! In previous reports filed you can clearly see that XXXX XXXX  is stating they are trying to collect a debt from me but is reporting it as charged off on my consumer report. Excuse me but it can not be both. You are either trying to collect a debt or charge off a debt. One of two things are happening, either lies are being told directly to my face or lies are being reported on my consumer report?? I am asking for fair credit reporting and not information that is misleading in plain view. This is all a violation of my rights per FCRA, 611 ( 15 U.S.C. 1681i ). Section 623 ( b ) of the FCRA says you must notify the provider of my dispute, and if any items are inaccurate, misleading, outdated, incomplete, can not be verified or validated is unfair reporting. I kindly ask that you remove this item from my consumer report!
Consumer complaint received 2024-09-11
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (TX)

Someone else put my name in a cable bill. XXXX  {$580.00} phone XXXX XXXX XXXX. XXXX XXXX sunrise credit service Inc XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Prosper Marketplace, Inc. (NC)

In XXXXXXXX XXXX XXXX  I missed a payment as an oversight. I was contact ted by the company and they offered me a settlement plan and I set my payments at {$25.00} for 6 months because I was in the process of having my son XXXX  move him to XXXX and then move myself to another state. I thought I was doing the responsible thing so that I would not get in trouble during this huge transition ( I had to get this loan because the state had messed up and turned off my child support ). I was not informed when setting up this plan that they would be reporting me to the credit buraus. I would have never agreed to the arrangement if I had known that. I went to my credit union today to get a consolidated loan so I could pay them and other items off. I found out today that they can not do anything for me because of Prosper reporting me. In XXXX even thought I had paid until XXXX. My payment did not go through in XXXX. I was not contacted. I was very busy, and I thought everything was fine and being paid. They sent me to a right off. I have worked so hard to rebuild my credit and now it is ruined. I feel like I was set up to fail by them. I have nothing in writing. It was all over the phone.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On different occasions I have disputed a collection account that appears erroneously on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by XXXX and TransUnion that they did not carry out an efficient investigation to determine that those accounts that appear on my credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these incorrect accounts that appear in XXXX and TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the incorrect information shown on XXXX AND TransUnion. XXXX XXXX XXXX Account Number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX : Please remove it from my credit.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the recent notification regarding the verification of my account as " late. '' According to 15 U.S. Code 1666b - Timing of Payments, a creditor can not deem a payment on a credit card account under an open-end consumer credit plan as late unless they have implemented reasonable procedures to ensure that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days prior to the payment due date.

Therefore, I request the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information mandated by section 1637 ( b ).

If you can not provide this information, I must insist that the late payment notation be removed from my records.

Please be aware that this correspondence may be used in any potential action against your company for violations of consumer law, specifically referencing the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n , and the Timing of Payments under 15 USC 1666b .

I formally request the deletion of all transactions marked as late on my consumer reports. You are obligated under 15 USC 1681e ( b ) to report accurate information.

It is important to note that the FCRA does not require a consumer to contact any creditor or furnishers of information to have inaccuracies or incompleteness removed from their file. The burden of proof rests with you, the consumer reporting agency, to provide accurate information as stipulated under 15 USC 1681e ( b ).

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-11
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I submitted a fraud claim in XXXX of XXXX and XXXX of XXXX. 

My fraud case numbers are : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both cases have been deemed fraudulent. 

During the investigation period, I received email and letters telling me to make payments or else my credit score will be affected. I made multiple payments in person at a Macy 's store during the investigation period in the amount of {$650.00}. I have the receipts for those payments and those payments were posted on my Macy 's account. I received a check for around {$230.00} dollars in the mail when the fraud claims were deemed fraudulent. However, I have not received the remaining amount that I paid. I called in XXXX and again last week. I am still owed the remaining amount of payments I made during the investigation period.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (IL)

I have no knowledge of this debt. This is a fraudulent account. My personal information has been leaked multiple times and someone has fraudulently used my name and social security number. I have not received any documents from this creditor. 

Reported : XX/XX/XXXX Williams & Fudge INC {$2400.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A caregiver to my father  had her name added to his accounts and now his bank will not allow us to access them. He passed away on XX/XX/XXXX and the caregiver was supposed to pay off the bills he owed and then disperse the rest of the accounts to the XXXX children. She did not report his death to his pension plan and as of XX/XX/year> was still receiving payments to the said accounts. I officially reported and they have now ended the pension but money will need to be paid back from that account in which we, the children, do not have access. His phone has also not been paid off or cancelled.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My account was accessed my someone unauthorized, Wells Fargo contacted me & brought this to my attention. So I created a claim stating this actions werent taken by me & im a victim of identity theft as well. They claimed they investigated my claim and the resolution was to end my relationship. I would like a re investigating on behalf of myself. Hours and hours Ive been transferred back and forth from lost prevention department to the online fraud department to the claims department back and forth & no department can help me! My cellphone was not used to mobile deposit a XXXX check I dont get paid my checks and I made this clear to everyone. They are closing out my accounts and ending my relationship when I claimed Im a victim of identity theft & account take over, I had to file a claim with the cfpb just to get thier attention! This is a serious matter & accusation or I wouldnt go to the extent to get this resolved.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION (SC)

I voluntary turned in my XXXX XXXX due to mechanical issues with the cars engine that i have tried to get mechanics to fix this for me on several occasions. They keep explaining to me that there's no warranty on the vehicle and nothing can be done inless one invests highly priced new warranties on vehicle or gets a new engine. well we all know that times are hard and no-one can afford a highly priced items due to circumstances. I found out after I turned in the vehicle that there was a complaint going around about the models on XXXX due to engine problems and they would fix for free. Later I was advised to put this on as a complaint on credit file and to credit bureau to be taken off my report and not to be harrassed about making payments as I believe this isn't my fault and I'm not paying this.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MD)

In accordance with Fair Credit Reporting Act. This creditor has violated my rights, under 15-USC 1681 Section 602 states I have to privacy. 15USC1681 section 604A -section2, it also states, A consumer reporting agency can not report an account with out my written instructions. Under 15-USC1666B A Creditor may not treat a payment on an credit card account under an open and consumer plan as late for any purpose
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (WA)

I received an email on XX/XX/year> regarding service of court documents. I discovered that a civil suit has been filed against me by representatives for Crown Asset Management , LLC. of XXXX, Georgia. The suit states that Crown Asset Management , LLC, a debt buyer, is seeking a judgment in the sum of {$2600.00}, plaintiffs costs, and 9 % interest per annum. The plaintiff failed to perform its due diligence as required by federal and state law. The plaintiff in violation of federal and state laws never made contact or provided any information prior to the filing of this lawsuit. I am.on my own filing a motion to dismiss. I am a XXXX senior citizen and my only current income is XXXX XXXX XXXX. I am having to file a request for a waiver of court fees. My income and assets are exempt from garnishment.
Consumer complaint received 2020-11-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : Experian XXXX. XXXX  XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXXXX XXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX  This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/year>, I had my first call with Sunrise Credit Services regarding a debt they were attempting to collect. I requested validation of the debt, including proof of the original creditor, the amount owed, and documentation verifying that the debt belonged to me, as required by the Fair Debt Collection Practices Act ( FDCPA ). During the call, they provided an account number for the original debt, but neither this account number nor my personal information could validate the debt. Sunrise Credit Services also claimed they didnt have the means to email me the information at that moment but assured me that someone would follow up with an email. However, I never heard from them again. 

Despite never receiving the requested documentation, on XX/XX/year>, they filed the debt on my credit report without informing me. I also contacted the original creditor directly, but they couldnt locate any records of this debt or account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable debts, and credit reporting agencies are required to report only accurate information. Sunrise Credit Services inability to provide proper validation violates both the FDCPA and FCRA. I request that this debt be removed from my credit report until proper validation can be provided.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NY)

Squareup.com square XXXX system has stopped transferring my business earned money for the last couple of weeks to my active and re-verified bank account of choice. The total balance is XXXX till date. I have contacted them via email and phone support available by their choice of contact. {$48000.00} is amount my business made from transactions and square now under new name Block Inc has already cut their square fees but not transferring my business money into my XXXX XXXX XXXX account. Note : my business bank accounts are active and also show active and verified under my square account.

Due to money placed on hold by square/block inc , my employees have not received their two weeks pay yet! I will also complain with New York State labor department! Thank you cfpb.
Consumer complaint received 2024-10-07
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. (SC)

XXXX reported me late on XX/XX/year> as 30 days late on my Equifax thats incorrect. 

XXXX reported me 30 days late XX/XX/year> that's incorrect I paid on time XXXX reported me XXXX days late on XXXX and XX/XX/year> that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681