davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Dear, XXXX XXXX This letter is being sent to you in response to : Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Autograph By : XXXX XXXX
Consumer complaint received 2024-08-22
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. (KY)

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 2024-07-08
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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (TX)

I bank with Wells Fargo. A number called me under the name Wells Fargo. Unbeknownst to me, this was a scammed who spoofed Wells Fargo number from what I was advised by a Wells Fargo rep. The scammed was able to transfer {$190.00} from my account using email XXXX and listed my name as receiver. This was not me. I now know that my Wells Fargo bank account was hacked because they changed my phone and email. It appears ti be XXXX. The scammed was sending codes which I thought was Wells Fargo because it was using their text number. They were also able to transfer {$83.00} from my savings tomorrow checking. The only money I am at a loss for is {$190.00} once I realized what was happening, I called Wells Fargo and begin changing my username and password. They also shut down my previous accounts. As I spoke with rep, I got the impression, They will not be refunding me nor did they issue a provisional credit. The XXXX department was closed by the time I completed the claim so the rep could not tell me if I am getting my money back. In the midst of this, I have a car insurance payment coming out of the account that needs to be paid. I am very frustrated as they stated I will have to wait 10 days for an answer on my claim. Wells Fargo reported a security breach recently and after doing research, I can see, I'm not the only one this has happened to today.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one charged my account off during an insurance investigation. The car wasn't in my possession from XX/XX/XXXX thru XXXX of XXXX. The car was in the inpound lot from XXXX til i believe XXXX. the insurance company then paid the impound lot to release the vehicle to have it towed to buttons automotive to get the wheel repair. Then it was a search for a body shop but evrybody was so backed up with cars and trying to get parts. Then in XXXX the car was taken to XXXXXXXX XXXX in XXXX ohio. They advised me that parts were on back order for a few months. So from XX/XX/XXXX the XXXX sat at XXXX XXXX. The body shop called in XXXX and said the XXXX was done but was still waiting on a few more parts but would just call me to bring it back in. I had previously talked back and forth with XXXX XXXX in regards to a settlement offer. The first offer was XXXX and if i wanted to keep the car i had to pay about XXXX a month. the second offer in XXXX was the XXXX. I had to pay a XXXX deductible to release car from crash champions. i then called capital one that same day about the settemet and XXXX XXXX said I would have to pay a XXXX paymet to accept the settlement and XXXX a month to keep the vehicle. I told them that payment amount was ridiclous after not having my vehicle for XXXX months,. So I sold the vehicle to XXXX they bought it and paid the XXXX settlement. Now I don't have a car and I can't purchase another vehicle because the banks are looking at the account as a repo. Capital one did not give me nor the insurance company any remedy during this process to keep, XXXX in good standing. I gave them the ok to pick the vehicle up from the impound lot if they couldn't wait for the insurance investigation. They told me the account wasn't delinquent and then no because the vehicle wasn't in my possession.So i felt like i wasted my insurance claim paying for a vehicle that i couldnt even keep. My insurance comapany spent all thta time and money for nothing that serve a purpose to me.
Consumer complaint received 2024-08-27
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. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-27
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX : XXXX
Consumer complaint received 2024-07-07
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-09-18
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. (CT)

Please remove all fraudulent accounts and hard inquiries from my credit profile from XXXX XXXX and Trans Union immediately. 

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 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (NY)

I am writing to formally dispute the denials of both my QuickBooks Line of Credit and PayPal XXXX XXXX applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-offs referenced in the denials is past the statute of limitations for credit reporting in XXXX XXXX and should not have been shared or reported, adding further violations to these denials. I am disputing all charge-offs and inaccuracies on all of my reports not only the ones that directly affected this refusal of working capital for my business and its continued operations. 

15 USC 1681c, 15 USC 1681b, 15 USC 1681c a4, 15 USC 1681n, 15 USC 1681n, Statute of Limitations New York General Business Law 380 j f, 15 USC 6802 abc, 20 USC 1232gb, 12 CFR 1022.3, 5 USC 552a, 12 CFR 1016.7, 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 1681e, 15 USC 1681s-2, 15 USC 552a , 15 USC 6805
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XXXX months ago, I fell behind on a mortgage payment and enrolled in a hardship assistance plan through Fifth Third Bank. Since then, I have caught up on my payments, and as of now, my mortgage account is fully current with no outstanding past-due amounts. Despite this, my hardship plan remains active, which I do not need or want anymore. 

Over the last month, I have made XXXX attempts to contact Fifth Third Bank to cancel this hardship plan, each time being transferred to the " Solution Center. '' Every single time, I was forced to leave a voicemail because no one in that department answers the phone. Despite my repeated messages, I have not received a single call back, email, or any communication from the bank. Today, I made yet another attempt and, once again, was left with no response. 

This lack of response and disregard for my requests is absolutely unacceptable. I have done everything Im supposed to do to resolve this issue, but Fifth Third Bank has ignored me completely. I need this payment plan canceled immediately, as there is no reason for me to remain in this program now that my account is current.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I AM REQUESTING OMBUDSMAN OR BANKRUPTCY DEPARTMENT TO CORRECT MY ACCOUNT AS MY BANKRUPTCY CASE XXXX IS STILL OPEN. MR COOPER SYSTEM IS INACCURATELY REPORTING THAT MY BANKRUPTCY CASE CLOSED ON XX/XX/XXXX. STILL, MY ACCOUNT WAS MODIFIED DURING BANKRUPTCY XXXX XXXX  FOUR YEARS AGO WITH ME PAYING ON TIME UNTIL COVID 19 NATIONAL DISASTER. HOWEVER, I AM IN GOOD FINANCIAL STANDING AND QUALIFY FOR TRIAL MOD AND MET ALL THEIR REQUIREMENT STILL, THE INVESTOR THAT OWNS MY NOTE IS IGNORING MY FILE TO PUT ME IN HARMS WAY DESPITE PROVIDING FINANCIAL DATA TO THEM SEVERAL TIMES. 

I RECIEVED A LETTER AN XXXX SINCE XXXX AND RECENTLY A XXXX LETTER LETTER DATED XX/XX/XXXX FROM MR COOPER STATING A RESPONSE APPROVAL FOR TRIAL MOD BY XX/XX/XXXX. YET, MY ACCOUNT IS STILL PENDING GOING ON 9 MONTHS TO INTENTIONALLY PUT ME AND MY FAMILY IN HARMS WAY FORECLOSURE DESPITE 3 TIMES EMAILING PROOF OF {$22000.00} PER MONTH INCOME. I EVEN OFFERED TO PAY MR COOPER {$20000.00} OVER THE PHONE TO CATCH UP MY ACCOUNT AND THEY REFUSE MY MONEY PREFERRING TO FORECLOSE MY ACCOUNT. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received an email from my chase credit card on Saturday XXXX reporting new accounts opened. One by Bank of America which I have contacted to report and one by XXXX XXXX  XXXX with a non working number on my credit report. I did not open these accounts.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-10
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. (TX)

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 Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-10
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (NM)

I took out a loan sometime in XX/XX/year> with the company Onemain Financial in XXXX, XXXX I remember during the loan signing the papers specifically verbally being asked if I wanted insurance on my loan in case of loss of job or becoming XXXX. I verbally said " yes ''. Reason I was sure I wanted this is because, to me, this was a large amount of cash and I wanted that protection. 
The unthinkable happened on XX/XX/year> happened and after XXXX  years of working for the same employer I lost my job through no fault of my own. I have a paper from my employer stating due to loss of revenue I was being terminated. 
So I call XXXX XXXX to find out more about the insurance I thought I had on my loan. I was told no I didn't have it and I would have had to check the box on my loan indicating I wanted this insurance. My mistake for not checking the box or reading what I was signing. However I believe by the loan agent verbally asking me and I verbally saying yes that it was indicated in my paperwork. And I truly believed I had purchased this insurance. 
I did make a payment today and will do my best to continue to do so. I am not asking for my debt to somehow magically disappear. I had just thought I had this little bit of security to help me out until I am able to get back on my feet