davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/XXXX I made a payment of XXXX it took until XX/XX/XXXX to go thru then I see card was then never reloaded and I was it with three separate charges equaling Over XXXX XXXX  and then was told my account had been compromised for some time
Consumer complaint received 2023-06-23
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. (MI)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-25
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: Resurgent Capital Services L.P. (MS)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 u.s. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 u.s.code 1681i ( XXXX ) treatment of inaccuracies or unverified information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Please remove accounts immediately!
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure what that is.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (FL)

NOTICE OF DISPUTE XX/XX/year> Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX DEMAND FOR LAWFUL VERIFICATION UNDER OATH OR SWORN STATEMENT NOTICE to XXXX & XXXX XXXX XXXX XXXX I am a consumer a natural living person pursuant to 15 USC 1692a ( 3 ) writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( 4 ). I hereby dispute the origin of the funding loan or credit and the amount of the alleged debt you are claiming I owe. Pursuant to 15 U.S.C. 1692g ( b ), I request that you cease all collection activities until you provide lawful verification of the debt. This verification must be under oath or in the form of a sworn and notarized statement from an individual with first-hand, competent knowledge of the alleged debt.

Any documentation provided to me in response to this notice must meet the aforementioned criteria. Failure to provide lawful verification will render any documents as unverified, insufficient evidence, and hearsay, lacking substantial merit.

According to 15 U.S.C. 1692g ( a ) ( 4 ), within five days after your initial communication with me, you are required to send a written notice containing : - A statement that if I notify you in writing within 30 days that the debt, or any portion thereof, is disputed, you will obtain verification of the debt or a copy of a judgment against me, and a copy of such verification or judgment will be mailed to me.

I am demanding that Santander Consumer USA and its representatives cease all collection efforts and immediately remove or delete the tradeline from my consumer report, credit file, and my credit report with any and all credit reporting agencies until you obtain lawful verification.

Additionally, I am aware of Santander Consumer USA 's settlement with the Consumer Financial Protection Bureau regarding credit reporting violations related to auto loans, which included systemic errors potentially impacting consumers ' credit scores and access to credit. The consent order requires Santander to take steps to prevent future violations and imposes a {>= $1,000,000} civil money penalty. Your continued noncompliance has caused me significant financial hardship and emotional distress.

Failure to comply with federal laws will lead me to believe that you may be committing fraud, extortion, and engaging in illegal, deceptive, and abusive debt collection practices, which is a violation of 15 U.S.C. 1692k ( a ) ( 1 ).

Please acknowledge receipt of this notice and provide the requested lawful verification within the statutory time frame. 
Sincerely, B
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (GA)

In XX/XX/year> I moved to condominium in XXXX XXXX XXXX. I was placed on XXXX XXXX. While I was there the shower caved into a garage. My car was towed because the management gave me expired tags. The floor was dug up by contractors I was locked out and served and with eviction notice. The placed had been unoccupied for years and not maintained. The pipes were leaking inside the walls. I filed multiple complaints with XXXX XXXX XXXX and XXXX. They threaten to evict and sue me if I didnt give them {$8000.00} XXXX XXXX XXXX The pipes the flooding and floors had nothing to to do with me. All I did was live there. I was there 3 months. I received letters of threats from neighbors because the walls was leaking. The plumber threatened me. I gave them {$6000.00} and they filed for eviction. Now hunter warfield has me in collections for the property. I am uploading one of the many documents regarding this matter
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Good Morning, I bought my home at : XXXX XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. After being laid off from the XXXX XXXX XXXXXXXX in XXXX, I fell behind on my mortgage. I received a notice stating my home was being Foreclosed, and I needed to vacate the property, which I did at that time. 

It was recently brought to my attention that ; from my understanding, my home was not Foreclosed. From what I can tell, it appears that There was a trust ( unbeknownst to me ) added onto the deed of my home... .My Name is still listed as the Grantor ( See Attached ) it also appears that the home has been rented out for past 6 years without my knowledge, nor any monies received forwarded to me. 

I am urgently seeking legal assistance, as I've had no knowledge of documentation filed, nor have I received payment of any sort. 

Since I was Wrongfully removed from my home, I have been living with family, which has been a hardship to say the least. Any assistance would be great appreciated. Should you have any questions, or need additional information, I can be reached via Email or Mobile at XXXX. Appreciate your help.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (AZ)

I recently obtained a copy of my credit report and identified several inaccuracies that require immediate attention : 1. Duvera Billing Service has reported incorrect close dates on XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). Additionally, different account numbers ( XXXX, XXXX ) and varying last activity dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX ) are noted. 

Under the Fair Credit Reporting Act, I request an immediate investigation into these discrepancies and the removal of any inaccurate information from my credit report. I expect that you will verify these items with the respective creditors responsible for their submission. Please promptly delete any information that can not be verified by the creditor. 

As mandated by 15 U.S.C. Section 1681i ( a ), I understand that you must complete this investigation within 30 days of receiving this notice. Upon completion, kindly provide me with an updated copy of my credit report at the address provided below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.

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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My CD rolled over in XX/XX/2024. I was never notified of the CD maturing and the Bank rolled it into the lowest rate possible. I did not notice until I received my XXXX statement and the rate was reduced from 5.15 %, promotional to a rate of .03 %. I have called bank XXXX times and they said it's my tough luck for not knowing the maturity date. But I never received any advance notice. This is deceptive practice.
Consumer complaint received 2024-07-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I tried using my unopened {$100.00} gift card for the first time in XX/XX/XXXX and was surprised to find out my gift card had less than {$3.00}. I looked up the gift card balance online and realized there was fraud with my gift card. Multiple people stole my card information in XX/XX/XXXX and were able to use my gift card in multiple states on the same day when my card was at home, safe in my room, and I was out of the country on vacation. There was no way I or anyone I know was using my gift card for those transactions. It was involved in a gift card scam! I contacted Vanilla gift cards and told them everything. Submitted a form that took months for them to review because they had an error in the dispute form that I had to repeated email and call them to fix. After FINALLY fixing my dispute form and submitting it, I received an email months later that they DENIED my dispute. They refused to put the STOLEN funds back on my Vanilla Visa Gift Card. Their response : " Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed.

Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' A bogus excuse. These transactions would be impossible by me alone which would be easy to discover doing some simple research. " Out of the timeframe for recovery '' should go out the window when it's clear to see by the date, times, and locations these transactions happened. Gift card expiration date is XX/XX/XXXX. 

Listed below are the transactions that were not mine that my unopened gift cards was used for : Merchant Name : XXXX # XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$1.00} Merchant Name : XXXX  Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$5.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX XXXX  Transaction Amount : {$.00} Merchant Name : XXXX XXXX XXXX XXXXXXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$83.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$100.00} Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$.00} Merchant Name : XXXX XXXX Transaction Date : XX/XX/XXXX, XXXX EST Transaction Amount : {$14.00}
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (CA)

Repeated contacts by text supposedly from XXXX XXXX XXXX, with instructions to call. Check with the website shows that the phone number provided, XXXX, is not that of the real XXXX XXXX XXXX. Website given is https : XXXX. I have been dealing with a lot of identity theft from former acquaintance and immigrants ; I suspect these texts are an attempt to extract personal information over the phone, or solicit fraudulent payments.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (TX)

XXXX. XXXX charters XXXX I C systems  # XXXX - How did you ensure maximum accuracy? 
- How did XXXX verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc. (TX)

XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FCI Lenders, and XXXX XXXX ALL need to fined or put out of business and sent to jail. I got a lawyer and got the first lawsuit dropped. FCI Lenders told me I was almost {$24000.00} behind when XXXX refused to accept that when I went to court saying I owed {$45000.00} and then {$64000.00}. I was finally served with papers for the first time in XXXX of 2024 where they'd refiled the lawsuit, but then they supposedly sold my loan and didn't drop the suit. How on earth can someone that doesn't own my loan sue me? FCI Lenders offered me a payment of {$780.00} a month where I pay my own taxes and insurance. I've paid my own insurance for years anyway. I sent them a letter via mail, left two voice mails, faxed the letter, and emailed them stating that I would accept those terms and to send me the paperwork to sign. The first payment is due on the XXXX and I'm going to make it. Now, they're saying I'm {$65000.00} behind and that they took over the XXXX lawsuit. I don't see how they could have without their name or XXXX XXXX 's name on the paperwork. I'm going to attach more paperwork in case XXXX XXXX hasn't forwarded the latest to you. They really did doctor the ledgers and never gave me credit for a bunch of payments and sent a bunch back to try to make me look further behind on my mortgage. Their lawyer told me that they hear the same story about them saying we hadn't turned in the forbearance agreement paperwork when we had and I have email proof that I did. The first judge saw right through them too. I would appreciate it it your office would do a complete investigation and also find out just how many people they've done this to.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Arcon Credit Solutions LLC (TX)

i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of idently theft. I found numerous accounts on my credt report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.