davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2017-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK (OK)

I am currently in an active chapter XXXX bankruptcy and I want to voluntarily reaffirm my debt with Gateway mortgage. I have filed pro se. I am able to file the document myself with no charge. Gateway states that if they send it to counsel that they will charge my account. For me to be able to file I have to have the original signatures which the bankruptcy manager at gateway XXXX is refusing to send it to me. Stating that he does n't trust me and that he will not send it to me because I could change something. I am a bankruptcy lead for a mortgage company and I know that I can not legally change the information as that would be fraud. I have conveyed this information but he still refuses to send it to me. The court allowed me to file the reaffirmation but with deficiency of the mortgage company needing the original signature. When I contacted XXXX this morning he stated that they are sending to counsel and when I called I advised about not billing the fee to my account as that would be incorrect XXXX hung up on me. 1. With the note and mortgage that I signed at closing it does state that a fee may be assessed if referral to counsel is necessary " if there is a default '' we have never been in default on our mortgage account. 2. I have opinions from multiple local attorneys stating that the fee has to be listed in the reaffirmation agreement to be able to charge to the borrower. In this case the fee was not included in the reaffirmation agreement that I signed and filed. So in this case I do not believe that they would be able to charge the fee to me. All I want to do is reaffirm the debt to ensure that my monthly payments are reported to the credit bureaus as I know without the reaffirmation agreement they would not be able to. Again I can file it for free I just need the original signatures from the mortgage company which has refused and they are going to send to counsel and bill my account for something I can do for free.
Consumer complaint received 2015-09-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (PA)

This debt just showed up on my report, I believe back in XXXX 2015, I never heard of this company before, until now, I believe I am not responsible for this debt. I summited complaints with the credit bureau 's and have got no where.
Consumer complaint received 2023-09-07
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. (CA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2016-09-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (MO)

This account is not mine I have never attended or enrolled with XXXX XXXX. I have supplied them a copy of the incorrect information on my credit bureau. Showing XXXX XXXX XXXX XXXX hired by XXXX XXXX. There is also an account number showing on the report. XXXX XXXX can contact Ability Recover and find out the name and social security number associated with the account in collection. I have provided XXXX XXXX with the last XXXX digit of my social XXXX. I do not feel comfortable providing them with copy of my Social Security Card. They have stated in email they have no student record matching my name and address. But still have made no effort to remove incorrect information from my credit Bureau ( XXXX ). I would lie this removed immediately and XXXX XXXX needs to be fined/reprimanded for their poor business practices.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made a payment to my Capital One credit card from my Capital One checking account. The payment was for {$68.00} on XX/XX/. On XXXX I was surprised to notice that my credit card had a past-due fee of {$40.00} posted on XXXX  On XX/XX/ the online ACH Payment was returned. I do not understand how it was returned when the money was in the account. Also, there has never been a time that Capital One did not retry another time if a payment did not go through. Instead, they just charged me a late fee and didn't take the money that was in the account. 

I did not contact Capital One because they only allow calls. They do not allow email or chat. I have no way to protect myself from what the agent says. It becomes my word against the agents. I am not allowed by Capital One to audio record myself. 

I have attached proof of my Capital One account to show that my account had the funds. So I am unsure why the funds were not taken.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-29
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-06-13
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. (FL)

Since XX/XX/XXXX XXXX  has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX PD not to mention that my information was completely compromised during the XXXX Equifax Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my XXXX  and Equifax Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.
Consumer complaint received 2016-03-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems has yet again placed an unsubstantiated collection on my credit reports in the amount of {$57.00}. This is the fifth time that this fraudulent account has appeared on my credit reports and the third time that Commonwealth Financial Systems has reported this false information. Each time they change the account number reported to the credit bureaus. I have proof of sending certified letters to Commonwealth Financial Systems denying their allegations and requesting evidence of their claim. In all cases, Commonwealth Financial Systems ignored my letters and has refused to provide evidence of their claim. This fraudulent collection was reported in the past by other collection agencies as well. XXXX XXXX XXXX, XXXX & Northeast Credit have also reported this false collection in the past. It took assistance from the Attorney General 's office to get them removed from my reports. The credit bureaus have also removed this false collection placed by Commonwealth from my report multiple times. I have kept all correspondence from my complaints and evidence of my complaints with the Attorney General as well as credit reports showing that this fraudulent account was previously deleted multiple times. I have had to place a fraud alert on my credit reports because this continues to occur. It is horrifying to see that Commonwealth has over XXXX complaints with the CFPB. I have filed new complaints with the Attorney General of Texas as well as the PA Attorney General. It is my prayer that the CFPB will take action against Commonwealth Financial Systems to stop their continued abusive and illegal behavior.
Consumer complaint received 2016-12-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from PORTOLIO RECOVERY ASSOCIATES. I had previously disputed this account. I have never done business with PORTOLIO RECOVERY ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that PORTOLIO RECOVERY ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( XXXX ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTOLIO RECOVERY ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-08-31
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-19
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. (GA)

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 

1. XXXX XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on Equifax is XXXX. 
3.Account on XXXX # XXXX. 
4XXXX reports last updated XXXX XXXX 5.XXXX  reports account was XXXX XX/XX/XXXX XXXX reports last updated XX/XX/XXXX XXXX reports last updated XX/XX/XXXX 1.XXXX reports Account # on Equifax XXXX XXXX XXXX XXXX reports Account # XXXX 3.XXXX reports Account # XXXX 4. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6XXXX reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX 2XXXX reports Account # XXXX 3. XXXX reports Account # XXXX 4XXXX reports last update XX/XX/XXXX XXXX. Equifax reports last update XX/XX/XXXX 6.XXXX  reports last update XX/XX/XXXX XXXX
Consumer complaint received 2023-07-13
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. (FL)

I would like to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion, a credit reporting agency, for their violation of several federal laws designed to protect consumers and ensure accurate credit reporting. TransUnion 's actions are in direct violation of 5 U.S. Code 552a, which requires agencies to maintain accurate records and handle personal information responsibly. They have failed to comply with 12 CFR 1016.1 and 12 CFR 1016.4, which outline the scope of the Fair Credit Reporting Act ( FCRA ) and require prompt investigation of consumer disputes. Additionally, TransUnion 's non-compliance with 12 CFR 1016.7, which outlines responsibilities of furnishers of information, raises concerns about their failure to conduct reasonable investigations. They have also violated 15 U.S. Code 6802, which establishes guidelines for proper disposal of consumer report information. I have not received a summary of my rights under the FCRA, as mandated by 15 U.S. Code 6805. Furthermore, TransUnion 's inclusion of inaccurate and fraudulent information on my credit report, which falls under the exclusions of 15 U.S. Code 1681a ( 2 ), demonstrates their failure to ensure accuracy and integrity. Despite providing an identity theft report, TransUnion has not removed the information within the required four-day period, violating 15 U.S. Code 1681c2. Their willful noncompliance is subject to civil liability under 15 U.S. Code 1681n, and their negligent noncompliance is subject to civil liability under 15 U.S. Code 1681o. These violations undermine the trust and reliability of TransUnion 's credit reporting practices, and I urge the CFPB to take appropriate action to hold them accountable and rectify these violations. Ive included the previous FTC theft report in this complaint, and also the most recent letter that Ive mailed to Transunion, and have not had a response from Transunion.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (NV)

I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 1

5 USC 1681. 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 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?
Consumer complaint received 2015-10-02
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings (TX)

This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.
Consumer complaint received 2024-08-06
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. (NC)

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, errors in credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these problems to ensure my financial security.