davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (TN)

I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts XXXX XXXX XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed. 
15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NJ)

I was overcharged on XX/XX/XXXX and XXXX for XXXX {$1000.00} transactions when it shouldve been XXXX {$10.00} transactions. Ive been in contact with discover for months and still no help at all and i need this fixed.
Consumer complaint received 2024-09-01
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-10-10
Product: Mortgage — FHA 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: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX is the assigned loss specialist assigned to do the short sale and since I filed a complaint with your agency, she has been non responsive with the short sale process. It has been months and still no progress.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading XXXX, Experian and XXXX are engaging in racketeering activities by way of conspiring with XXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.
Consumer complaint received 2024-10-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fay Servicing, LLC (NC)

My mother passed last XXXX. I was the cosigner for the loan on her house. Fay Servicing is the loan provider. We paid XXXX, XXXX, and XXXX 's payments from her account. We were then advised by the estate lawyers to close the account. We did, and paid XXXX, XXXX, XXXX, and XXXX out of my account via their phone payment system. In XXXX, I was unable to pay over the phone, but assumed they were having some kind of maintenance issue. I tried again later in the month and was told the issue was that the account was delinquent and I was no longer allowed to pay by phone, it had to be certified check. I protested but got nowhere, and sent two certified checks in XXXX to cover XXXX and XXXX 's payments. I then sent another in XXXX. In XXXX we got the go-ahead from the estate lawyer to go to our bank and try to get moms mortgage added to our own. That's when I found out that Fay Servicing had marked my account as delinquent, put us into pre-forclosure on my mom 's house, and denied acceptance of the XXXX payment. My attempts to talk to anyone with this company have not yielded anything other than the promise to look into it and get back to us. That was two, almost three weeks ago. From my conversations, I can tell they don't plan to do much. I can prove my payments were sent to them and deposited. Yes, I owe for XXXX, XXXX, and, now, XXXX. I would gladly have paid them by now, if they would accept it. What kind of company says " We think you're behind in payments '' and then turns away payment? I'll tell you who. A company that's trying to steal your property, which is what I think we have here. A XXXX search shows that there have been multiple complaints and enforcement actions from the CFPB against this company for its dishonest mortgage practices. I hope the CFPB will hold their feet to the fire for this one too.
Consumer complaint received 2024-07-09
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)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (NY)

NOTICE OF AGGRAVATED HARASSMENT, FRAUDULENT BILLING, AND DEMAND FOR THE MULTIPLE NOTED BELOW FRAUDULENT ACCOUNTS VALIDATION https : XXXX XXXX
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

**Issue Summary : ** While I was on XXXX XXXX military orders, Discover Card sent a verification request to my home address. Due to my XXXX XXXX status, I was unable to receive or respond to this request in a timely manner. As a result, Discover cancelled my credit card account without further communication or consideration of my military obligations. 

**Details : ** - **Active Duty Period : XX/XX/XXXX - XX/XX/XXXX - **Date of Verification Request : ** Around XXXX - **Date of Card Cancellation : ** Around XXXX Despite my military service and the protections afforded under the Servicemembers Civil Relief Act ( SCRA ), Discover closed my account, causing unnecessary inconvenience and potential harm to my credit. I believe this action was unjustified, especially considering my inability to respond due to my active military status. 

I request that Discover review this decision, reinstate my account, and ensure no negative impact is reflected on my credit report.
Consumer complaint received 2024-08-21
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: U.S. BANCORP (CA)

I was gifted a gift card about a year ago with a balance of {$300.00} and I am unable to make any purchases online or in store. The card is not expired. The customer service number does not give you an option to fix this solution or offers to speak to a representative. I have registered online and attempted to submit a claim but their site wont allow me to complete my request. This is a XXXX  giftcard. The gift card is from XXXX
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

Case Number : XXXX I am filing a complaint regarding a fraudulent transaction on my Apple Card from XX/XX/year>, which I have disputed multiple times, for the amount of {$26.00}. Despite these disputes, Goldman Sachs Bank USA continues to reject my claim, stating : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

However, I did not authorize this transaction and have repeatedly asked Goldman Sachs/Apple to provide evidence of who authorized it. Instead of addressing my concern, I have been met with inconsistent responses from customer service representatives who, in several instances, even addressed me by the wrong name, indicating a lack of care or attention to my case. 

If I had authorized this transaction, I would not be disputing it. In addition, I have experienced similar issues with other transactions, further undermining my trust in Goldman Sachs/Apples handling of disputes. 

I request the Consumer Financial Protection Bureaus assistance in ensuring that the fraudulent transactions in dispute are properly reversed, as my efforts to resolve this directly with Goldman Sachs/Apple have been unsuccessful. If this issue remains unresolved, I am prepared to take my business elsewhere, as it is clear that Goldman Sachs and Apple do not prioritize consumer protection. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (OH)

I have tried to have these inaccurate accounts deleted from my consumer reports, they failed to provide documents that I requested, there has been no validation of inaccurate accounts that needs to be deleted. I have listed the accounts below. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have not response to my letters that I have written several times
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MD)

Santander Consumer USA Inc. refused to cease and desist all collection activities after responding to a complaint stating that they would cease and desist. Santander Consumer USA Inc. agreed to correct all inaccuracies that they were reporting after 160 days they still have refuse to correct anything.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company AES - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM AES/XXXX  - XXXX XXXX XXXX On the Last Day the Complaint was Open - AES was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM AES/XXXX  - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with may be considered a debt collector. "
Consumer complaint received 2024-08-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by PORTFOLIO RECOVERY ASSOCIATES is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX XXXX : Portfolio Recovery Associates/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of XXXX  on the XXXX day of XXXXXXXX XXXX. The claim presented by Portfolio Recovery Associates has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court XXXX XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

My identity and information was used without my consent and without my knowledge. Please remove the inquiries from XXXX XXXX XX/XX/year> START AUTO FINANCE XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc. (CA)

the company didnt provide my information for validation and verification letter.The company didnt provide me proof that i signed for a third or for them to sell my information with my ssn dob and also private information to a third party who i do not know an was not aware of an violated my privacy rights.Also when calling the repersentive threated to have my credit damaged even more and ask me why was I calling if I didnt have the money to pay them why did I call the number an told me that if i didnt pay it that is was gon na remain on my credit and my credit will be damaged if i didnt pay it.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (WI)

Ability Recovery Servi XXXX XXXX XXXX XXXX, PA XXXX Has put a collection on my credit report for {$1400.00} Under the following account number : XXXX I have contacted them several times through the credit apps and by letters disputing this account. They are not able to validate this debt because I do not owe them any money. 

I have told them each time that they are illegally damaging my credit. Yet they are refusing to remove this false collection from my report. 

Please help me as my credit is very important to me and my family.
Consumer complaint received 2024-10-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (FL)

I attempted to resolve this old bad debt by making minimum affordable payments when working. Unfortunately I was laid off and still unemployed also affected by natural disaster hurricanes XXXXXXXX XXXX XXXX  This information was shared with collector and they boldly disregarded my efforts and transparency by continuing to pull payments from my banking institution causing me to close my account to prevent overdrafts. I told the collectors I would report them for abusive collections tactics as well as for calling my family and friends. This company has been sued multiple times for abusive collections activity and I need my informational removed from this company and to never be contacted again!