davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Very complicated and in depth situation tat will take multiple agencies to get involved, i don't have enough time or any help left in my situation to see the ending through. 
However, i am trying to get my pensions r a few other things worked out for my daughters before i pass on. This is the only reason i am perusing these issues at all at this time. I'm very weak, and have a have a harder time getting anything done these days. 
My x-husband was named my beneficiary representative by the VA. However he's not doing his job in helping me ou with my financial and medical needs. Instead he's withholding pain medication so I can't get around, not allowing me to access me to use my VA benefits-so he can use them for himself. And diverting my social security monies and other monies such as house into his account. He kicked me out of my house three years ago, and won't let me back. He's collected the XXXX and medical for my daughters with my first x-husband without me knowing since 2007, while i supported the family and had to work overtime. He also started to divert funds at that time. Im scared of him. He has most of my paperwork and my XXXX. Id like to get a blood relative to take over my VA beneficiary and Social Security Beneficiary since we were only married for two years, and his sister change the taxes to say i supported him, when i ws seeing someone else and he had his own bank account. the minute it became ten years he kicked me out of my house and started gaining possession of all my belongings. I'm not even dead yet. Give me a year. 
Anyhow, i have know idea how to look into this, since i need help doing things as it is and he's suppose to be providing that support. 
thanks XXXX XXXX XXXX
Consumer complaint received 2020-10-14
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: NRA Group, LLC (PA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX   ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX   XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$960.00} to XXXX. I have NEVER had services with XXXX. I recently had them remove another debt that didn't belong to me in the amount of {$130.00} that was also allegedly owed to XXXX. I don't understand why they'd just add another collection in an even higher amount. Please remove this erroneous collection immediately.
Consumer complaint received 2020-10-14
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. (CA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXXXXXXXXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2020-10-12
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. (DC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

We recently refinanced our mortgage. The lender, Freedom Mortgage, charged us for four pay-off statements even though there were only two payoffs received by the escrow company. So the overcharge was {$60.00}. We reached out to Freedom by phone an email. They refused to confirm that we would receive a refund of {$60.00} for the two additional pay-offs.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

Hello, I need your help to update my mortgage account information with the lender as well as the three credit bureaus because there is still some out-of-date data with them. 

In early XXXX I activated a forbearance plan offered by the lender of US Bank by mistake and then cancelled it immediately as I didn't need it. Thus there is no one single payment that has been delayed or missed. However, that resulted in a severe consequence that no new mortgage loan I can get. 

I had tried to contact the said lender and the XXXX credit bureaus, requesting them to remove the out-of-date information of the deferred plan with a letter from the US Bank dated XX/XX/2020 confirming the termination of the said plan. Unfortunately the information has not been updated with the lender and those bureaus till now. To be worse, the recent credit report even shows that a deferred pay start date will be XX/XX/2020. 

Therefore, it would be appreciated if you would help me update my mortgage account information with the lender and the three credit bureaus at your earliest convenience.

Should you have any questions, please feel free to let me know soon.

Your attention and assistance to this matter would be much obliged.

Yours sincerely, XXXX XXXX
Consumer complaint received 2020-10-12
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: United Collection Bureau, Inc. (IN)

United Collection Bureau calling one of my family members on XX/XX/2020 at XXXX XXXX. over a debt that is not theirs or I don't know what they are talking about, This company keep asking my for my name, birthdate, and the last 4 of my SS number without them telling me where they are located and anything about their company. They have violated Fair Debt Collection Practices Act. They violated section 804. Acquisition of location information I called them on XX/XX/2020 a lady name XXXX answered the phone I ask XXXX for their location and what did UCB stand for she told me that she did not their address and XXXX told me what UCB stood for. XXXX put me on hold the next thing I know a supervisor name XXXX XXXX to me to XXXX them and he was not going to tell me where this UCB was located I found out they are United Collection Bureau I respectfully request that you provide me with the following : 809. Validation of debts I'm requesting ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that notifies the me the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

( 5 ) A written request statement within the thirty-day period, the debt collector will provide me with the name and address of the original creditor, if different from the current creditor.

( 6 ) Proof that your are licensed to collect debts in Indiana.

( 7 ) Proof of the last payment made on the account debt you call about.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights.

I am asserting my rights under the federal and state Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, including these rights. 
Because I am disputing this debt in writing within my 30 days as of XX/XX/2020 after my first ever contact with XXXX, and supervisor XXXX XXXX from United Collection Bureau. You must obtain verification of debt against me and mail these items to me at your expense. You can not add interest or fees and any attempt to collect this debt without validation, it violated the Fair Debt Collection Practices Act If you have already reported this debt to any credit-reporting agency or credit bureau then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NY)

Good evening, after paying off my balance in XX/XX/2020, I closed an account with Fortiva on XX/XX/2020. Since that time, this company continues to bill me for an account that is closed with a XXXX balance. Not only am I being charged late fees and yearly renewal fees, I am also being charged a {$12.00} maintenance fee every month, tolling {$170.00} a year. This information was not provided to me when I opened this account. I have tried UNSUCCESSFULLY to dispute these charges with this merchant. Not only am I requesting a cease and desist, I am also requesting that this information be given to other consumers so that they are aware of these inaccurate and fraudulent credit card charges before they decide to open an account with this merchant -thank you!
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-10-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America pursued me to pay my father 's credit card account balance after he passed away. My father, XXXX XXXX, was the only liable person for this account. I have never signed a contract to be a liable party. I was ONLY an authorized user to help him manage his finances. 

After my father passed away in XXXX, Bank of America added a charged off account to my credit report dropping my scores XXXX points. Their collection agents hounded and threatened to sue me if I didn't pay my dad 's account. I ended up giving-in on XX/XX/XXXX and I paid the agreed settlement amount of {$4400.00}. Even after I paid the settlement amount, Bank of America continued to report the charged off account to the credit bureaus with a balance of {$8600.00}.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30  days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : EXPERIAN XXXX  AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NJ)

As part of my CFPB complaint, XXXX, Barclays Bank of Delaware posted an image of my application account which contained highly sensitive security information in their response. I now need to go through my all my accounts and change data. Barclays negligence in posting this now also leaves me open to identity theft for the foreseeable future.
Consumer complaint received 2024-11-18
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report, which I believe is being reported incorrectly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incomplete, incorrect, or unverifiable. 

Upon reviewing my credit report, I have noticed a charge-off reported by [ XXXX XXXX ] under account number [ Account XXXX ]. I have reasons to believe this charge-off is being inaccurately reported, and I am requesting that you investigate this matter under the provisions of the FCRA, which requires all information reported on credit reports to be accurate, complete, and verifiable. 

The specific item in question is the charge-off reported on [ Date of Charge-off ] with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Date Reported : XX/XX/XXXX I kindly request that you : Conduct a thorough investigation into this account and its reporting. 
Verify the accuracy of the charge-off, including the original terms and any payments made. 
Provide evidence supporting the reported charge-off. 
Remove this item from my credit report if it can not be verified as accurate. 
Under the FCRA, you are required to investigate this dispute within 30 days of receipt of this letter. Please inform me in writing of the outcome of your investigation, and if this item is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Enclosed, I have provided supporting documentation that outlines my position, including [ list any relevant documents you are including, such as payment records, correspondence, etc. ]. 

Please notify me once your investigation is complete. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2020-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I am in the process of trying to purchase a home. I was unaware of any of the four fraudulent debts on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Control Corp, which is a violation of FDCPA. Credit Control Corp has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Control Corp, nor any party that Credit Control Group, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Control Group remove all four of these fraudulent debts from my credit report or I will sue, and seek the maximum compensation available under the law, for each violation.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My name is XXXX XXXX. I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN TRANSUNION RECEIVED THE LETTER.