davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (PA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-30
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. (TX)

I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1977. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (GA)

This account for XXXX XXXXXXXX was opened on the following date ( XXXX ). Since then, the Date Of Last Activity has been inconsistently updated. On Experian the date last active was ( XXXX ) and on XXXX its ( XXXX ). If the information is coming from the same creditor, the dates should be the same. Both Experian and XXXX failed to investigate this account properly after I repeatedly ask to have this account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXXXXXX Acct # XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-30
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MD)

Someone used my card to go on a shopping spree iXXXX XXXX XXXX XXXXXXXX XXXX XXXX and also made some online purchases, I made a dispute with skylight ( Netspend ) they spend roughly XXXX USD. 
After a few weeks I received a email response stating that they are unable to return my money since they think I was the one that made those purchases.

I made a police report exactly a month ago and I Havent heard back. 
They also try to make a XXXX in XXXX At XXXX Different locations in a ATM. 
I also told skylight ( Netspend ) that it was roughly XXXX dollars and they Proceeded just to dispute the Transactions that were already posted since at the time The other two transactions were not posted.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (DC)

I have had trouble adding a US Bank credit card to XXXX XXXX. Their process, unique among banks, requires the client to call in and go through a long waiting process as well as questioning and then a human to acknowledge the client 's request to add the card to XXXX XXXX. After doing that 3 times and spending more than an hour, all US Bank will offer is that I continue to wait on hold while the agent talks to a tech support person. I asked for direct resolution with tech support but that is being denied. US Bank is fraudulently advertising a product that provides rewards if the customer uses the card in a mobile wallet and then makes it essentially impossible to add the card to one of the two major mobile wallets on the market.
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (FL)

XXXX ) acc-XXXX XXXX XXXX XXXXXXXX # XXXX XXXX ) acc-XXXX XXXX  # XXXX XXXX believe there may be inaccuracies in the reporting of this account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of this account information. 

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute several items on my credit report that I believe are a direct result of the XXXX data breach that occurred in 2017. The breach exposed sensitive personal information, including Social Security numbers and financial details, which has led to unauthorized and potentially fraudulent activity on my credit file. 

In light of the breach, I request that the CFPB assist in investigating and rectifying these issues to ensure that my credit report accurately reflects my financial history. The items in question appear to be discrepancies or errors linked to the compromised data and are adversely affecting my credit standing. 

Please find enclosed copies of my credit report highlighting the disputed items, as well as relevant documentation supporting my claim, including evidence of the XXXX breach and any correspondence related to my credit dispute. I appreciate your prompt attention to this matter and request that the necessary corrections be made to restore the integrity of my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CT)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I received an email today from PayPal informing me that my account has been permanently limited due to a potential risk associated with it. I had my account since 2013, I never had a suspicious/fraudulent activity or a chargeback. All credit cards used are my own. Their system never flagged my account for closure but it was the agent I talked to over the phone this morning. I called PayPal to inquire about my PayPal key which has stopped working for a week, something that frequently happens. The agent told me that it is because I used it at the same merchant for the same transaction 3 times so their system flagged the transaction as " suspicious ''. It looks like returned purchases using PayPal key can sometimes get refunded to PayPal balance instead of the credit card that was used. This's a known issue that PayPal has been aware of but never took action to fix, instead, they've been shutting people down without warning. I never received a warning from PayPal letting me know that this activity will lead to my account closure.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (TX)

BBVA was bought by PNC No access to phones, lobby full.

Auto bill pay sometimes works, debit card not always accepted. Deposits not credited. 
Since XX/XX/2021 Tried calling and stopping by. I cant waste any more time with these issues
Consumer complaint received 2021-11-14
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: Rocket Mortgage, LLC (FL)

I was seeking a pre qualification with lenders as I am looking to buy come XXXX. 

XXXX XXXX knew I was not going to getting a house anytime soon and knew that I did not have a down payment ready. 

She did not read any disclosures or anything indicating she would be doing a hard pull on my credit. 

I got an email from XXXX XXXX that I have 14 days to keep shopping now that a hard pull has been done. 

As I did not consent to this hard credit pull, my file has been obtained illegally and this is considered my intent to seek legal action against Rocket Mortgage / Quicken Loans.
Consumer complaint received 2021-11-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Signed a mortgage in XXXX and XXXX 's Office around XX/XX/XXXX and closed on XX/XX/XXXX, were charged an extra {$850.00} for closing costs ( never disclosed at the time of the origination of the promissory note from XXXX XXXX ) after we were assigned a mortgage originator, XXXX XXXX XXXX, XXXX. We never signed a contract with Wells Fargo, NA nor received a promissory note for the changes to the loan ( changed the terms of the loan by increasing the rate and monthly payment amounts without a discussion or approval or disapproval of the loan agreement, no TILA followed, and violations of the notification of auction, and the collusion of Judge XXXX XXXX XXXX XXXX - he was a board member of XXXX at the time of the Final Hearings and allowed the Banks ' attorney, XXXX XXXX XXXX ( a known mortgage and foreclosure " mill '' ) to file after the deadline for the amended complaint, they never amended the complaint, just resubmitted the one from previous and did not make full discovery by producing the original, elonged note with the appropriate signatures ) ; we were foreclosed on by Plaintiff on XX/XX/XXXX ( XXXX ), less than the required 120 days of missed payments for default status with no notification of arrears nor contact to resolve. I was pro se, since the XXXX ( XXXX ) attorney 's I had hired at first were threatened and recused themselves. I don't blame them one bit, the judges and clerk, XXXX XXXX were derelict and corrupt in their actions. Judge XXXX XXXX now sits over my Dissolution of marriage, and he has shown a distinct bias towards me as the Petitioner ( XXXX ) and has allowed the Respondent to violate the jurisprudence of the trial, as they had done during the foreclosure. Several times during the foreclosure the bank 's attorney 's violated the TILA, the proceedings with mis-filings, and there were XXXX ( XXXX ) periods of greater than 120 days of inactivity, but as soon as the case was about to go to statute of limitations ( XXXX years ) the judge disregarded the Discovery and dismissed my claims of collusion, kicking me out of his court room and adjudicating without following the jurisprudence.
Consumer complaint received 2024-09-30
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. (FL)

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave EXPERIAN XXXX XXXX OR XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2024-08-30
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently looked on my credit report and seen inquiries I have not applied for. I contacted the credit bureau equifax and the other companys for the inaccurate information and still there has not been no inquiries removed from my report. I also have faxed over a photo of my iD, a cover letter on what has to be removed and my social security card and still there have not been no change. And I have highlighted to equifax that the FCRA ( fair credit report act ) states that anything thats unverified and unauthorized on my report should be removed. So I am requesting that these inquiries should be removed. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. Thank you
Consumer complaint received 2021-10-16
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: Tally Technologies (GA)

A creditor is reporting on my credit report late payments every month from XX/XX/2021 to now XX/XX/2021. In XX/XX/2021 that reported an on time payment. I pay my bills on time every month and need these negative accusations removed from my credit report. I have not heard anything from this creditor or had a current bill that said i was late or that I owed money.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear CFPB XXXX Bank of America ; I am writing to formally dispute an account listed on my credit report by Bank of America, which I believe to be fraudulent. I have no knowledge of this account and have never had any prior relationship with this company or the original creditor. The balance reported is incorrect, and I have never entered into any contractual obligations with the mentioned entities. 

The inaccuracies in reporting this account violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I request the following documentation : Authorization Evidence : Proof of authorization under 15 USC 1692 ( e ) and 1692 ( f ) for handling this debt collection. 
Legal Basis : Documentation demonstrating the legal basis for the collection of this alleged debt. 
State Authorization : Proof of your authorization to operate and collect debts in my state. 
Debt Evidence : Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Account History : A complete account history, including all collection-related charges. 
Additionally, I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Under 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communications and collection activities related to this account. Furthermore, pursuant to 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written consent.

I request the immediate deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and the lack of any valid contractual obligation. Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights. Please provide the requested proof of this debt or remove the erroneous account from my credit report as soon as possible.

Thank you for your immediate attention to this serious issue.