davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I reached out to American Express for a billing error dispute of the entire balance of {$2100.00} my letter was sent XX/XX/2023 XXXX and delivered XXXX XXXX. I sent out a " Billing Error Notice Affidavit Of Truth ''. Which will be attached to this complaint. My claim is that American Express failed to give me general disclosure which is a breach under " Code Of Federal Regulations " ( 12 CFR 1026.17 ). Im requesting the books and accounting related to my account because on my billing statement I am looking at a positive balance and if I caused American Express any deficit in the books i should see a negative balance on a TRUE BILL IN COMMERCE. American Express has responded but has failed to send me a true bill in commerce. Understand in according to a specific law ( 15 U.S.C. 1666d ), if there is an excess amount of money in your account ( a credit ) that is more than {$1.00}, the credit card company should give that extra money back to you. They should do this by sending you a check for the surplus amount. 

To ensure this happens, the law ( 15 U.S.C. 1666 ( b ) ( 2 ) ) requires the credit card company to provide evidence and documents ( books of account ) to clarify and resolve any billing errors related to this extra amount. This evidence will show how the credit card company arrived at the credited balance and why there is a surplus. 

In summary, the law mandates that if there's extra money in your account ( a credit ), the credit card company must send you a check for the surplus amount, and they need to provide evidence to explain and resolve any errors related to this credit.
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: Experian Information Solutions Inc. (TX)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (WA)

I do not recognize any of the 19 delinquent accounts on my credit report listed under Affirm INC . Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the Affirm company these just told me it was their duty to report such information to the credit bureaus. Please have Affirm INC remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with Affirm INC . However, Affirm has hands down been the worst company to try and get this errors removed from my credit report.
Consumer complaint received 2024-07-02
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. (MI)

I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$1700.00} XXXX XXXX Balance : {$590.00}
Consumer complaint received 2024-07-02
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. (CA)

please delete the unauthorized inquires here 's the lists \ XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-10
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. (PA)

Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form XXXX due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!
Consumer complaint received 2024-07-02
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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)

I am writing to express my deep dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the submission of supporting documentation, the fraudulent entries persist, posing a severe threat to my financial well-being. 

I previously reported these fraudulent items and submitted comprehensive evidence outlining the fraudulent nature of the entries. Unfortunately, upon reviewing my updated credit report, I discovered that the fraudulent items remain, causing substantial harm to my creditworthiness and financial stability. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

Given the urgency of this matter, I implore you to conduct an immediate and thorough investigation, carefully review the provided evidence, and expedite the removal of the fraudulent items from my credit report. The continued presence of these inaccuracies is causing significant distress and hindering my ability to access credit and financial opportunities. 

If additional information is required to facilitate a prompt resolution. I expect a rapid and equitable resolution to this issue, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 XXXX
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

My family has been long time customers of TD Bank ( and their affiliates ) for over 20 years. We began as clients of XXXXXXXX XXXX  prior to the acquisition/rebranding. 

Several years ago, my wife and I moved from traditional income to being paid less consistently and in larger amount ( XXXX XXXX XXXX XXXX Over the past year, we have had a some situations where small payments got crossed with deposits. This is always inadvertent as we have dozens of items going into and out of our account routinely. 

In XXXX, for the first time, we incurred a very large {$650.00} fee that appears associated to one of these returned checks. We shook it off as it was unfamiliar, and during the week of XXXX and assumed it was associated to a situation where a deposit did not clear in time for an pre-scheduled auto withdrawal or check. 

Since XXXX, we have received a large number of overdraft fees. After looking at the recent statements ; it appears that TD is now placing a grossly unreasonable 6 business day hold on each " large '' ( which every paycheck or brokerage withdrawal ) qualifies for. We had no idea that TD began applying this hold to each of our last deposits. This has caused dozens of overdrafts ( further reducing our balance ) and major credit reporting issues when this hold interupts mortgage and car payments, etc. 

I have been in banking and a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never seen such a counter-intuitive and counter productive practice. The real world implications of a hold that extends multiple calendar weeks and exceeds 25 % of the business month is a gross abuse of retail banking. 

Due to conditions most Americans have no control over, money is tight. To have an institution we have been clients of for over two decades basically punish us and both not play interest and charge is fees in the process should be illegal. 

Furthermore, not only did the bank teller not advise me in advance of any " hold '' on the ability to access funds ; but rather inquired if, given the large deposit, " I'd like to speak to an in-branch financial advisor or discuss higher interest bearing checking accounts. ". Apparently bank policy requires their employees to solicit new business opportunities while failing to inform clients of pertinent information on their existing business.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

Dear CFPB, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. The consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Attached is the following companies who are reporting after an opt out letter and verbal communication was giving over 30 days ago. As the CFPB per 15 USC 6805 ( A ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follow you shall enforce this law to the following companies listed below. 

Sincerely, TD AUTO FINANCE Account Type - Detail : Auto Loan Auto Loan - Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$27000.00} {$27000.00} {$27000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7200.00} {$7200.00} {$7200.00} High Credit : {$7200.00} {$7200.00} {$7200.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Monthly Payment : {$180.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} {$1800.00} High Credit : {$3100.00} {$3100.00} {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} Last Reported : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

Email me for the evidence which they saw and heard and never reply. I will forward it. Around XX/XX/year> I had a problem with Wells Fargo, I used to be able to handle XXXX and send and receive money like everyone but my mistakes made them take off my service, what I did is I was asked to sent money to XXXX but this person who I never met or know who he is, only his name sent me money without my consent, I never was asked if I could receive it they just said, there gon na sent it, so he made a complain with XXXX XXXX XXXXXXXX and is when XXXX start it, I told them Im sorry so many times and yes they did reinstall XXXX twice but they took it away from me 3 times or more. It has been a year and I was letting them but Im so tired plus right now Im negative and its because of my purchases but before I seen that they say we charged XXXX because of this and that so been on the look out for that. Anyways couple days ago I went again and gave them a chance and they end up saying nothing no explanation and I sent them a message on XXXX and never got an answer. They just said were gon na call you which I said no, I done that before and Im tired and when they heard I was gon na report them. They never answer. Ha-ha. Wells Fargo is a joke.
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: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC (CA)

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (GA)

I HAVE NEVER LIVED IN THIS COMMUNITY.. IN MY LIFE. I HAVE NOT HAD ANY APARTMENT ON MY OWN. THIS IS NOT MY ACCT AND I NEED PROOF THAT I SIGNED A LEASE AND THE DATE THAT I LIVED HERE. THE ORIGINAL PAPERWORK NOT A COPY.. 
I DID NOT AUTHORIZE THIS TO BE PURCHASED.

With reference to Section 609 of the FCRA Act, I would like to request further information On the following item as recorded on my credit report. 
The report records that for XXXX XXXX XXXX is a collection agency for And l requests the XXXX documents for this information containing my appended signature and any other related information.
Consumer complaint received 2023-11-07
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights please remove late payment
Consumer complaint received 2023-12-20
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: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : Credit Acceptance XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 with 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. 

Credit acceptance is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Consumer complaint received 2023-12-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (CA)

I am writing with a heavy heart and a sense of desperation to request your understanding and compassion in a matter of significant financial consequence. I have been a loyal customer of SHELLPOINT MORTGAGE for 3 years and have always appreciated the relationship we've had. Unfortunately, life has thrown an unexpected and devastating curveball our way. Recently, my family suffered the profound loss of a close family member, my beloved father. This unforeseen tragedy has not only left us emotionally shattered but has also brought about unexpected financial challenges. During this difficult time, managing the obligations associated with our [ Bank or SHELLPOINT MORTGAGE account has become an overwhelming burden. I have reached out to your customer service representatives, and I must commend the empathy and understanding they have shown during our interactions. They have informed me about the possibility of a goodwill adjustment, considering the exceptional circumstances surrounding our situation.