davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

This account of XXXX XXXXXXXX was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX  XXXX Account Number : ending on XXXX Also this account was deleted from XXXX on XXXX i have letter proof open attach.
Consumer complaint received 2024-08-29
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)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Alternative Email : XXXX SSN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXTo Whom It May Concern : I am writing to formally request an immediate investigation into the fraudulent accounts listed on my credit report, particularly those associated with XXXX XXXX XXXX. I have previously provided clear evidence of identity theft, including an FTC Identity Theft Affidavit, yet the fraudulent account remains reported on my credit report.It is apparent that the current procedures and practices in place are either outdated, insufficient, or incapable of handling the complexities of identity theft cases. I challenge Experian to justify its continued reporting of this fraudulent account despite the comprehensive evidence provided.Immediate Actions Requested : Immediate Deletion of the XXXX XXXX  Account : As confirmed by the creditor, this account must be removed from my credit report without delay.Correction of Reporting Errors : Update my credit report to remove any negative information related to this fraudulent account.Detailed Explanation of Verification Process : Provide a comprehensive explanation of how your verification process works and why it failed in this instance.Confirmation of Updates : Please confirm in writing once these corrections have been made, along with a copy of my updated credit report.Failure to address these violations promptly will result in further actions, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), as well as exploring legal remedies for the damages caused by your negligent reporting.I am attaching the following documents to support my complaint : Dispute Investigation Results 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  Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Alternative Email : XXXX XXXX
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (DE)

Dear Vance & Huffman , LLC, This letter serves as a second request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), as your company has failed to provide the necessary documentation in response to my previous request. Instead of the required validation, I received a blank PDF, which does not constitute proper validation of the debt. 

To be clear, I am disputing the validity of this debt and your right to collect on it. As per the FDCPA, I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount, including documentation proving that I owe this debt and how the amount was calculated. 
Copies of any contracts or agreements between your company and the original creditor, and/or evidence that a contract exists between me and the original creditor regarding this debt. 
Documentation of all assignments or transfers of the debt, showing the chain of ownership from the original creditor to the current creditor. 
As you have failed to provide this information, I request that you cease all collection activities on this account until proper validation has been provided. Furthermore, I demand that you refrain from accessing my credit report and remove any entries related to this debt from my credit report until the dispute is resolved. The FDCPA requires that disputed debts be marked as such with credit reporting agencies, so if you have already reported this debt, it must be updated immediately to reflect the dispute. 

Additionally, I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your companys failure to comply with the FDCPA and provide the necessary documentation. Your failure to respond appropriately has caused unnecessary stress and financial inconvenience. 

Please also provide the following : Your permissible purpose for accessing my credit information, as I dispute your right to do so. 
Confirmation that if this debt is transferred to another collector, they will be notified of this dispute. 
I expect a prompt and thorough response to this request. If no validation is provided, I will consider this matter resolved and expect that you will cease further collection attempts. 

** On XX/XX/year>, I sent a certified letter requesting all the information in my original debt validation request. I originally disputed these debts for validation on XX/XX/year> where I received a response from your company on XX/XX/year> which was a blank PDF that did not provide any information. I then submitted another complaint on XX/XX/year> and it was closed due to being a duplicate on XX/XX/year>. I feel that my rights are not being taken into account. ***
Consumer complaint received 2024-09-14
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)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OneMain Finance Corporation (TN)

Have been paying on this car since my son was XXXX he is now XXXX. The total of the car was XXXX. When I ask what the pat off was just last week XX/XX/year>, they are stating the pay off would be XXXX. After paying on this car since my son was XXXX it's like we have been paying for it to never get paid off. We have only refinanced this car one time. Everytine we call and let them know that we are going to be a few days late, they add charges that are outrageous. My sons father has been paying on this car for us. He had a XXXX XXXX and couldn't do his profession, therefore there was no income for a few months. In this they actually said they were helping by giving us the opportunity to pay half of the car payment, etc. Come to find out, One main has added extra hidden fees on even when that was going on. We were not told of the hidden fees that were involved for this to supposedly help us.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX I had a credit card with navy federal, but also I had a policy insurance of {$12000.00} with them ( through XXXX XXXX XXXX affiliated with Navy Federal ) to cover me in case I become unemployed or sick When I lost my job XXXX and became unemployed they denied my claim to cover me during the hard times hence I couldnt pay my credit card for quite sometimes.

The debt became overdue then they closed the account and marked charges off on my credit. From XXXX to XXXX I maintained a record with navy I was paying on time, even though I owed a lot than the policy can cover I deserved to be covered no matter.

I believe discriminated based of my origin and ethnicity hence my claim was denied, they charged me a premium for the insurance since XXXX there so they shouldnt deny my claim. 
Plus it was right after the Covid-19 pandemic everyone knows how it was difficult to get a job.


Navy federal sold a debt to a 3rd party, I dont know the new creditor they never contacted me ( which is illegal I never had opportunity to excise my rights ). The new creditor is working with court officials and collections agency behind my back so they can messed up my credit report. I will attach documentation and statements to clarify my claim
Consumer complaint received 2024-10-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: U.S. BANCORP (NJ)

I would like to terminate my lease early with US Bank, as permitted by my lease agreement. I have called multiple times, and each time they asked several questions and assured me that I would receive a call or email with the early termination quote and process within XXXX business days. However, I still have not received any communication from them after XXXX weeks. It is clear that US Bank is not fulfilling its obligation regarding the early termination process outlined in the lease agreement.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of 2 accounts that i do not recognize 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 from my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Today XX/XX/year>, at XXXX eastern standard I contacted the XXXX to cancel the card security payment on my Lowes account. I had canceled this on all of the other cards that I have with synchrony bank to include ( care credit, rooms to go, etc. ). Upon getting to my Lowes card, it would not go through automated and transferred me to a representative. I stated I wanted to cancel the security payment on the card and this young lady -Agent ID # XXXX canceled my card. She gave me a # XXXX as the reference when I asked for the # XXXX number as received for the others. When I asked her for the XXXX # and her name. She told me she could not give me her name and only the agent id. Then she asked, you wanted to cancel your account correct and I said NO... did you cancel my card, and she said yes, I need to call back to customer service. I refused and asked for a manager and have been put on hold for XXXX min XXXX seconds. She has continued to try to get me off the phone by stating I would get a manager call on Monday ( which I informed her was a banking holiday ). Then I asked for a lead or any superior to get on the call to try to attempt to reverse what she has done, and she just continued to place me on hold for XXXX mins to come back and not get anyone on the call. Once I let her know that I was submitting to CFPB, she did finally get me to XXXX who is the supervisor payment security customer service. XXXX, informed me that they do not have access, and I requested it in writing by email that my account is not in fact closed. She also provided the agent 's name of XXXX.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I sent via wire transfer {$25000.00} to pay down my mortgage with XXXX XXXX XXXX XXXX XXXX. It was XXXX XXXX  and before I sent the wire I googled wire instructions for this above named Company. Instructions I recieved were to send to routing XXXX account XXXX Fifth Third Bank national association. On the next day I called my company to be sure they recieved the wire and they said no and went over transfer details with me and at that time I was told they do not bank with fifth third bank NA rather I should XXXX my payment to XXXX XXXX Its been over two weeks and XXXX XXXX has not recived a reply from Fifth Third and Fifth Third will not speak to me because they say I am not thier customer.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

We deposited my moms check in my mobile account XX/XX/XXXX to pay for the remainder of my tuition. A hold was put on the check multiple times. The account t is now closed and the hold which the letter they sent was suppose to be released XX/XX/XXXX. We called today XX/XX/XXXX to find out the status of the check and was told the check was never put into the account because the IRS filed on claim on the check. They could not provide a date this claim was put on the check. We reached out to the IRS whom stated that is untrue no claim is currently on this check. 
My mom then asked the IRS to put a tracker on this check so that we can get this resolved and reissued. This is an XXXX payment that citizens is not giving any information on. We have asked several times for the transaction to be canceled due to the extensive holds put on this payment with no real explanation! At first it was due to needing the check validation which the IRS stated is untrue as well.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AR)

I am writing to formally dispute the XXXX XXXX account XXXX in XXXX in the balance of {$16000.00}. I have never applied for credit nor known of this account and believe it to be erroneous and request it be immediately removed immediately.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (TX)

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after 45 days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continues to violate my rights and the Federal Law.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NM)

My Business XXXX XXXX had and account with Wise payment service But suddenly they closed my account while my balance on their custody in the amount of XXXX XXXX. They have yet to send the remaining funds, After some emails back and forth wise said no longer have my money. It's been 18 day 's no update was given.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (CO)

There was a collection ( Aldous & associate ) added to my credit report from a XXXX XXXX. I sent them the info showing I paid the termination fee to the XXXX  before moving states. But they never took it off of my credit report. After 6 months I just went ahead and settled the collection of {$140.00}. But they still havent closed collection account as settled.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

THE DATES ON THESE 2 ACCOUNTS REMAIN INCORRECT!!! I HAVE CIRCLED THEM AND WROTE IN THE CORRECT INFORMATION! WHAT MORE NEEDS TO HAPPEN???? THE CREDIT STAFF AT OPP LOANS IS COMPLETELY INCOMPETENT & ILL TRAINED IN HOW TO REPORT ACCURATE CREDIT INFORMATION! YOU ARE NO BETTER! 

THE DATES ARE WRONG!!! LAST TIME I INTEND TO DISPUTE THIS! OPP LOANS REFUSES TO ACKNOWLEDGE THIS IS ABOUT THE DATES NOT - THE - LOAN - AMOUNTS!!!!!
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

This is being reported to my credit before I was even given paperwork, to which to date i still have not received a validation letter from this office. I had previously disputed when XXXX XXXX XXXXXXXX placed this debt from XXXX XXXX XXXX on my credit report and it was deleted by XXXX. XXXX month later I.C. Systems Inc is now reporting this debt. I have disputed twice now with XXXX showing them that they deleted the last agency that was reporting this as a valid debt. To which it is not I worked at home for this company and this was an employee account that was closed and paid in full upon my leave from the company. This debt is not valid nor owed and that is why XXXX XXXX XXXXXXXX was deleted. Now I.C. Systems is still stating that its valid and XXXX is not backing their prior decision to delete as before. Credit dispute with XXXX XXXX report number was XXXX removed from my credit report XX/XX/year>. 
I.C. Systems is now reporting this same debt.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

So, we continue down the XXXX XXXX with PHH Mortgage XXXX Early in the week of XX/XX/XXXX I received a letter from PHH Mortgage. I've attached it as XXXX. It references a " lender-placed insurance confirmation of cancelation '' and provides a " certificate number '' XXXX. I have no idea what this " certificate number '' means. I have no documentation with that number. The letter also maintains that I had a " lapse '' in coverage between XX/XX/XXXX and XX/XX/XXXX and that I will be charged {$910.00} if I can't provide proof of coverage for that time period. I've explained repeatedly that there was no " lapse. '' I simply was unaware that it was required. I've also explained repeatedly that I am unable to obtain retroactive policies. No normal consumer can. And I understand that I'll have to pay the {$910.00} as well as the retroactive policy the company purchased for the period XXXX for {$7400.00}. While it's true that, according to my closing documents with another company, I was required to have windstorm coverage, neither I nor PHH Mortgage caught the error. And they're assessing me the blame. Ok, there's nothing I can do about it. 
On Friday, XX/XX/XXXX I received yet another letter. It is dated XX/XX/XXXX. It is attached as XXXX. It states that PHH purchased a windstorm policy to cover the " lapse '' period of XXXX. But the policy clearly spans the time frame XXXX and costs {$7900.00}. The certificate number is the same as what was referenced in the first letter described above. Also interesting is the issue date on the policy is XX/XX/XXXX. I have clearly had windstorm coverage and have provided that information since XX/XX/XXXX. 
I have no idea what I'm expected to do. I have no confidence that PHH has any idea what they're doing. Is anyone going to be held accountable for this massive screw-up? I have my doubts.
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: Experian Information Solutions Inc. (CO)

The following items are inqueries on my report that did not happen. XXXX has no record of them. There is no history of applications, inqueries, or accounts from any of the XXXX support people I talked to at XXXX. 

Experian refuses to remove them, even though it seems to be from Identity Theft. 

XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX On record until