davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC. (CA)

money taken from from escrow on XX/XX/XXXX and received a threatening email from XXXX XXXX stating they didnt receive payment and my homeowners insurance would be canceled in XX/XX/XXXX. i am leaving the XXXX in XXXX weeks and am unable to resolve this in a timely manner. WE WARE STUCK BETWEEN TWO INPERSONAL COMPANIES THAT HAVE NO RESPECT FOR PEOPLES LIVES OR TIME.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

I am lodging a formal complaint against Radius Global Solutions, XXXX ( Account Reference # XXXX ) for severe violations of my consumer rights. I requested debt validation under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Instead of complying with this legal requirement, Radius Global Solutions, LLC sent irrelevant verification documents that fail to meet the validation standards. This is a blatant attempt to mislead and deceive me. 

The company also unlawfully reported this account to credit bureaus without providing proper validation, violating 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ). These actions have damaged my credit report and financial standing. 

Furthermore, despite my explicit directive to cease all communication, Radius Global Solutions, XXXX has continued to contact me, egregiously violating FDCPA 1692K. This persistent harassment, combined with their failure to validate the debt, demonstrates a flagrant disregard for consumer protection laws. 

I demand the immediate removal of this account from my credit reports. Radius Global Solutions, LLCs actions are not only unlawful but also deceptive and harmful. I expect the CFPB to take swift and decisive action against these violations.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN credit bureau has no right to lower my score making it fair to poor when my usage on a card increased by 2 %! Not late or missed or lost. Really Unfair practice!. I want my score to reflect the progress I continue to make since discovering again ID theft in XX/XX/year> ; dropping my score close to XXXX points! This needs to be re-evaluated please. Thank you. XXXX XXXX
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (CA)

Someone had gotten into my e-mail and got into my checking account and was able to transfer the funds to a person And then that person name is XXXX XXXX was able to pick it up at XXXX XXXX XXXX XXXX was the company that handled the withdrawal. I didn't authorize such withdrawal and I don't know such person That the transfer was name to pick up. I'm a XXXX and also XXXX and am doing all the paperwork. This has caused major hardship. Just need to make sure I dot my eyes and cross my T 's. 

On the XXXX of XXXX @ XXXX a.m I received a text from Bluebird by American express asking if I authorized this {$800.00} transfer I replied No. Do I know this person I said no!!! Then it gave me XXXX number which was the bank. I called and told them I didn't authorize such transfer. The gentleman said he was going to put a freeze on my account and then when I wanted to make a withdrawal just remove the freeze and then put it back on. I didn't have Time to do it the money was gone. That's when this whole process started ..Bluebird by American express XXXX There was A language barrier with bluebird by American express because they are located in XXXX and it was very challenging and very difficult to understand what they said very unprofessional And rude. I was transferred XXXX times. The next day I called to do a follow up, they had no idea what I was talking about. That point I started to get very nervous. After an hour or so someone did locate some information on my issue. They said someone would call me in XXXX days. I know its a holiday weekend. I'm just reaching out for Assistance with this. I do have all my paper work names, addresses, police reports. will send them out XXXX. Thank you. XXXX XXXX. XXXX
Consumer complaint received 2024-09-06
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: DISCOVER BANK (FL)

Dear Consumer Financial Protection Bureau, I am writing to dispute several unauthorized inquiries listed on my credit report. Upon reviewing my report, I found inquiries from the following lenders that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These inquiries are negatively impacting my creditworthiness and should be removed as they are not associated with my consent. I kindly request that you investigate this matter and remove these inquiries from my report. 


Thank you for your prompt attention to this issue. I look forward to your response. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Honda Financial is reporting a 30 day late payment on all 3 credit bureaus from XXXX XXXX XXXX. I've originally reported this as incorrect and XXXX deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

Please consider this my official cease and desist notice. Under 15 usc section 1692 a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Which also includes the credit reporting agencies. Also, my account with XXXX XXXX  account there is arbitration clause in my contract which means they are in breach of contract for selling my debt to you and I going to exercise my rights in regards to that fact will file lawsuits with anyone involved in this breach of contract.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report.

Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have not been able to access my credit freeze or fraud alert with TransUnion for several weeks. On XX/XX/year> I had a online chat with a TransUnion representative, and they told me to wait XXXX hours to try again. Today ( XXXX XXXX XXXX ), I tried again, and still I am being told : Sorry, we're having trouble showing the status of your credit freeze right now. 

Doing an online search, it appears this has been going on for years, and TransUnion has not fixed this issue.
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NE)

I have received numerous phone calls from ( name the collection agencies ) ( the max you should do is XXXX ) I have requested that they cease all communication with me being that this debt do not belong to me. They haven't provided me with no proof, I have sent XXXX debt validation notice and they still havent responded back with any documentation. Per the FCRA these collection companies are in violation of 15 USC 1681n for willful Non compliance. also in violation 15 usc 1692c. My understanding this in violation I can sue for up too {$1000.00} per violation. Hopefully you will reach out to these companies and also have these inaccurate accounts deleted from my profile.
Consumer complaint received 2024-09-13
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IN)

Dispute Date : ** [ initial original dispute date Was XX/XX/year> ] [ REBUTTAL CLAIMS WERE MADE ON THESE DATES IN XX/XX/year> ( XXXX, XXXX XXXX, XXXX, ) and ( XX/XX/year> ) ( chime dispute ) Claim Amount : {$200.00} Dispute Type : Non-Receipt of Goods or Services Despite providing sufficient evidence to support my claim, I found that my dispute was not resolved satisfactorily within a reasonable timeframe. After a thorough review of the situation, I received a notification that my dispute was denied on the same day within a few hours of making each complaint and rebuttal. However, I believe this decision was made without a full and fair consideration of the information I provided. 

**Supporting Rebuttals : ** 1. **Lack of Timely Response : ** According to the Fair Credit Reporting Act, financial institutions are required to investigate disputes in a timely manner. I submitted all necessary documentation on [ [ initial original dispute date Was XX/XX/year> ] [ REBUTTAL CLAIMS WERE MADE ON THESE DATES IN XX/XX/year> ( XXXX, XXXX XXXX, XXXX, ) and ( XX/XX/year> ), yet I received a denial without adequate explanation or investigation within the timeframe specified by law. 

2. **Insufficient Review of Evidence : ** In my appeal to the financial institution, I presented clear evidence [ screenshots that I didn't receive service that was offered to be rendered, and no communication with the merchant, etc. ]. The institutions denial fails to address these facts, which I believe warrants a reevaluation of my case.

3. **Inadequate Consumer Communication : ** Following the denial, I attempted to communicate my concerns with the institutions customer service. Unfortunately, I received vague responses that did not address my specific issues. This lack of transparency and accountability seriously undermines consumer trust and satisfaction. 

Given the aforementioned points, I kindly request that the CFPB look into this matter to ensure that [ " Chime Financial, Inc '' ( banking partners : XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ] adheres to the regulations set forth to protect consumers in financial disputes. Additionally, I hope my case can be reviewed for a fair resolution.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (AL)

After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for VOD none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance
Consumer complaint received 2024-09-01
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: Credit Control, LLC (TX)

Credit Control LLC accessed my credit report without permissible purpose as defined by the FCRA XXXX XXXX XXXX ( b ) on dates XXXX XXXX and XXXX XXXX. This is a violation of the Fair Credit Reporting act and I never gave permission to view my personal information.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MS)

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX XXXX XXXX, National Credit Adjust, XXXX XXXX, Receivable Management, XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX, Reason for Dispute : The above accounts are incorrect for the following reason 1. Closed/charge off accounts recorded as Paid off but the balance is constantly updated. 2. Paid off account but falsely reporting as late. 3. I am contesting these entries as it was added without my authorization. According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

Also, ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Company promised XXXX XXXX  i called up WellsFargo customer service to make sure i am eligible and customer service confirmed the same. 

Now they are rejecting the bonus saying I am not eligible as it is within 24 months time frame which was not mentioned by CSR when I called up. 

need this fixed ASAP and opening bonus deposited into my acct.
Consumer complaint received 2024-09-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

I am submitting this complaint regarding ProCollect, Inc., a debt collection agency that is attempting to collect a debt that I ALLEGEDLY owe. The original creditor is XXXX XXXX XXXX XXXX, but I believe the account may have been sold to ProCollect , Inc . However, which is also illegal she cant just pass off my personal information like that. ProCollect has not provided me with any information or documentation proving that they have the legal right to collect on this alleged debt. 

Details of the Issue : XXXX. Lack of Debt Validation : I received a communication from ProCollect, Inc. claiming that I owe a debt of {$3400.00} for an account allegedly opened on XX/XX/year>. The original creditor is listed as XXXX XXXX XXXX XXXX. I immediately disputed this claim and requested debt validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). However, ProCollect has failed to provide any evidence that they have the legal authority to collect this debt. 
XXXX. No Written Contract with ProCollect : I do not have any written agreement or contract with ProCollect , Inc. that would establish a legal obligation for me to pay them. They have not provided any documentation that would demonstrate a contractual relationship between us, nor have they provided any documentation from the original creditor authorizing them to collect on this debt. 
XXXX. Potential Illegal Collection Practices : I believe that ProCollects actions may be in violation of the FDCPA, as they have not provided the requested debt validation information within the required timeframe. Furthermore, they may be in violation of the Fair Credit Reporting Act ( FCRA ) if they have reported this unverified debt to the credit bureaus without proper validation.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have XXXX reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 
LVNV Funding LLC- XXXX