davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (MD)

The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. 

The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.
Consumer complaint received 2019-06-09
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. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ),  XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.
Consumer complaint received 2019-06-09
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. (CA)

A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.
Consumer complaint received 2019-06-11
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. (CA)

one inaccurate account is reporting under my XXXX   and equifax credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you
Consumer complaint received 2019-06-12
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: EQUIFAX, INC. (AL)

I have disputed online and via mail multiple times for deletion of an account that is negative history and has been on my report for more than 7 years. The account keeps coming back verified, but the first date of delinquency isXX/XX/XXXX, which is way past the 7 year timeline reporting frame. Shows paid as agreed but has a negative remark in comments about redeemed/reinstated repossession. I am not sure how this keeps getting verified accurate when the delinquency is more than 8 years old and a clear violation. This account closed in XX/XX/XXXX as well. Please see attached old credit report that has account history from XX/XX/XXXX.
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (MD)

I have a complaint with CBCS. I was looking on my credit report ( earlier this year ), seeing that I had a outstanding balance from them of XXXX. My first attempt on XX/XX/2019, sending them a certified validation letter which they recieved on XX/XX/2019. I have not recieved a responce back from this company and its been more than 30 to 40 days. I never lived at the address they are saying I lived at, in XXXX. I have never had electric in my name and dont know where this company came from on my reports. I would like to see this removed off my credit reports.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I financed a car through XXXX XXXX, a buy-here-pay-here car dealership in XXXX PA in XX/XX/XXXX. My car note was for the most part always paid on time, however had been towed twice previously due to lapse in insurance. Dealership towed car XX/XX/XXXX due to late payment, expired inspection and accused me of selling drugs. Advised the company that I had attempted to get information on warranty and getting car serviced several times but their service center would never return calls and repairs were too expensive. Visited Dealership XX/XX/XXXX to try to bring account current and work with company on an agreement to get car inspection fixed, but company stated the " owner '' wanted remaining balance paid in full. Car loan was 35 % of the way paid off, and no late payments ever reported. I was not willing to pay XXXX on car, took what I could from my car and left. Nearly 2 months later, I have attempted to dispute credit reporting twice and the company has not reported on the car since and has not updated it on my credit further preventing me from getting another car.
Consumer complaint received 2019-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I found out the person who borrowed money for auto loan was not me. 
In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the XXXXXXXX XXXX does not have a copy of my driver 's license. The address on the document was not mine. The XXXX XXXX must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the XXXXXXXX XXXX, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper. 
XXXX XXXX must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Paid the amount of XXXX via an ACH transaction with my bank and another XXXX via ACH transaction with my bank to OCWEN loan Servicing LLC ; they ( OCWEN ) have first told me they processed the amount and then said that it was returned due to insufficient funds. Per Faith ( loan consulant XXXX ) and XXXX ( Customer Service Supervisor XXXX ) the funds were returned on XXXX XXXX to my account with XXXX XXXX ... no such transaction per XXXX XXXX has taken place. 

XXXX federal agent XXXX produced a trace confirmation letter for each transaction which is attached. 

I would like to know where {$1000.00} dollars has gone and this is not the first time I have filed a complaint with CFPB regarding OCWEN and their loan practices.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Below was the response from Chase from my first complaint which did not answer my two main questions : 1. Why is the account being reviewed? and 2. When ( date specific ) will the held funds be returned? 

My Feedback to that response is below We regret any misinformation given to you and appreciate you taking the time to tell us about your experience with us. Your feedback is important to us. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us was that Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. You can find this on page 12 of the Deposit Account Agreement.  You were provided a copy of the agreement when you opened your accounts or you may view the current agreement on chase.com. We are not required to give you a reason for our decision to close the accounts. Enclosed are copies of the account closures letters we mailed you for your reference. Once our internal review is complete, we can request for the funds to be sent to you overnight. We apologize for the inconvenience. 
Attachments XXXX XXXX XXXX ( 18.2 KB ) XXXX XXXX ( 73.2 KB ) Feedback provided Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS When will the internal review be complete - there is no timeline given as to how long the funds can be held? 

I understand the companys response to my complaint No ADDITIONAL COMMENTS I did not ask why my account was closed I asked for my funds to be returned and why the funds are being held for review in the first place. I've given crystal clear explanations about questions related to account activity to bankers at the branch who understand the transactions and they have relayed this information internally. Why is the money not being returned?! If not now, When?! these are my questions yet the only answer I received is that we don't have to tell you why we closed the account ( I already know ) and that the account is being reviewed internally ( again, I already know ). I want to know the following : 1. Why are the funds being held. 2. When ( date specific ) will they be returned. 

The company did what they said they would do with my complaint No ADDITIONAL COMMENTS I want answers to my questions! I do not wish to involve my attorney but unless I can get real answers, what choice do I have?
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Last week XX/XX/XXXX and XX/XX/2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to fifth third bank. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying 5grand thats 12x what I owed. They wanted payment now or id be going to court. Company is first alliance out of California supposely
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

On XX/XX/XXXX of 2019, XXXX XXXX sold my mortgage to Specialized Loan Servicing. 
Before the loan was sold I owed XXXX XXXX XXXX in charges due to an attempted foreclosure in three years ago. I challenged XXXX XXXX in there assessment of these fees and they investigated the charges. I accepted their charges. Now since my loan has been sold, they say those charges are XXXX, XXXX almost three times the amount on the XXXX XXXX loan. I had SLS ( Specialized Loan Servicing ) investigate those charges and they came back and said no that is what you owe. I have XXXX XXXX statements saying that is what I owed, and now I have SLS telling me no that is not correct. You actually owe over XXXX. Then during the process of transferring my loan, some of my payments went to XXXX XXXX and instead of sending them onto SLS like they stated they would, my loan payments were late and so SLS charged me over XXXX dollars per late payment. I think this is unfair practice on both their parts. I want the CFPB to investigate why I must pay more to SLS than what XXXX XXXX said I needed to pay, and why my late charges were not taken off by SLS.
Consumer complaint received 2019-06-10
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. (CA)

I HAVE SENT NUMEROUS WRITTEN REQUESTS TO EQUIFAX TO REMOVE FRAUDULENT 2 ACCOUNT FROM MY CREDIT RPORT WHICH SHOWS THAT I AM AN AUTHORIZED USER. I KEEP TELLING THEM I NEVER REQUESTED TO BE AN AUTHORIZED USER.
Consumer complaint received 2019-06-10
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. (TX)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX., I applied for a credit card from CITI Card ( Application ID XXXX and was rejected because of an incomplete application ) proceeded to remove a freeze I had placed on my information and called the credit card Co. , then they procured the the credit report. Credit report showing a Beacon Score of XXXX. 
Baffled by a new rejection called and I was told that I had been late on payments on the year 2000. 
I don't remember being late but since then CITI Card has issued 3 credit cards to my name and these credit cards are paid in full upon statement date required, so it makes no sence, also aren't they to take into consideration only 7 years? 
It is impossible to talk to a human being.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. 

This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX  pet hospital . 
I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. 

I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. 

I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. 

The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. 

I request this fraudulent debt be removed as it does not belong on my account.
Consumer complaint received 2019-06-09
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: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXX two items showed up on my credit report that were the same alleged debt, with the same amounts and from the same company. The items were from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, with the account number XXXX. I Disputed this item as soon as it arrived on my credit on XX/XX/XXXX with both the debt collection agency and XXXX XXXX XXXX ( the original creditor ), however the company put in the entry that the start date was XX/XX/XXXX. This item did not show up until XX/XX/XXXX on my credit report ( XXXX ). XXXX then removed one of the duplicate entries but did not remove the second one. I disputed the second one through XXXX  directly, and also disputed it through XXXX as it shows up on that bureau as well. They stated this alleged debt was shown to be valid, although the original creditor had a false address attached to it and I disputed it based on not obtaining services through the original creditor, which I did not receive services from. Furthermore, this alleged debt originated in XX/XX/XXXX and is time barred. Despite all of this, XXXX and XXXX  upheld the entry and allowed it to remain on my credit report. I have already disputed this debt through the proper channels, and one of the entries was already removed. I am requesting this other entry be removed from my credit report and to not be contacted in any way about this alleged debt from anyone. To be clear, I dispute this alleged debt and I do not owe this debt. I have not obtained services from XXXX XXXX XXXX, and attempted to prove that by the fact they had an address on file I never resided in. Furthermore, this is time barred. Please correct this. Thank you.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX , XXXX Ga, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims XXXX XXXX  XXXX XXXX, NC XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?