davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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.

15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Health Care Management Services, Inc. (GA)

I had medical emergency on XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX. The patient ( myself ) responsible for {$370.00} ( XX/XX/XXXX ) + {$1000.00} ( XX/XX/XXXX ) = {$1300.00} after insurance. The Account Number is XXXX. I set up a payment plan with XXXX XXXX on XX/XX/XXXX. I put {$110.00} each month and I never missed any monthly payment. The total balance {$1300.00} will be paid off by XX/XX/XXXX. Even I continue to make payment, I received a request from the HSI collection agency and request a payment of {$910.00}. I tried to reach XXXX XXXX but I was put on hold multiple times. The longest wait time is more than an hour.
Consumer complaint received 2019-11-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (IL)

In XXXX I XXXX XXXX, had the same problem with XXXX XXXX  where I owed them money for some account. I then sent them a " validation letter '' asking them the validity of the account. The Bank XXXX XXXX  responded partially and never prooved that I owned that account. Now, in XXXX I have this new lender or servicer named, FCI Lender Services , Inc . I have sent FCI Lender Services XXXX Inc a " validation letter '' and they responded with fraudulent documents. They have failed to prove the debt with an " Assignment of Mortgage '' or " Assignment of Debt '', and continue to send partial answers. This matter has caused unrepairable effects to my credit and has cost me thousands of dollars and denial to any credit.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (CA)

Please see attached credit reports that show XXXXXXXX On every report everything changes for the worst and now I face eviction because the furnisher keeps violating FCRA AND WILLFULLY trying to harm me. Please help me understand how this furnisher from XXXX CONTINUES TO KNOWINGLY CHANGE DATA AFTER EVERYTHING WAS CORRECTED. please see attached documents specifically the XX/XX/XXXX XXXX credit report... Thank you
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. "
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Aspire/XXXX  and XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC (FL)

I received a citation # XXXX dated XX/XX/23, citation dated on XX/XX/23 for car tag number XXXX, call was made to XXXX XXXX XXXX XXXX with information requested which was never received. I am confiming that my vehicle was not in XXXX XXXX on that date. I again received another notice on XX/XX/23 for same citation with call made again- XXXX XXXX. I stated that my vehicle was not in XXXX XXXX on date of citation and requested that there a follow looking into why my vehicle was issued citation and again no response, I then received a letter from a debt collector dated XX/XX/23. The account number is XXXX Valley Collection service. I have no intention of paying for ticket that I did incur.
Consumer complaint received 2023-12-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo home mortgage failed to report all payments made on current mortgage to credit bureaus. Wells Fargo refused to remove the mortgage from bankruptcy after discharged due to XXXX XXXX  bankruptcy in 2011! Wells Fargo denied refinancing, unable to sell home, once again due to discharged bankruptcy in 2011! Home mortgage is locked into a bankruptcy that was discharged in 2011! Unable to navigate financially due to failed reporting, negligence and lack of customer service. Mortgage has been bought out now by XXXX XXXX, to which is still now locked into a bankruptcy case with a new lender! Requesting to be part of the class action settlement of Wells Fargo, for inaccuracy negligence rude disrespectfully being treated for years due to a divorce in 2011! Please consider this case into the class action suit as Wells Fargo home mortgage will not and has not communicated with me the homeowner with a discharged bankruptcy that was a XXXX  XXXX!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

XXXX, XX/XX/XXXX, I made a deposit of about {$1700.00} and the branch took it and said funds from the State of California issued XXXX check would be available the next day at XXXX XXXX. XXXXXXXX, XX/XX/XXXX, I attempted a purchase using my debit card associated with the checking account in question. My transaction could not be authorized so I called the customer service number on my card. It was at this point I was told these state issued funds were now on hold until XX/XX/XXXX due to it being a potential fraud issue. I have made these same deposits since XX/XX/XXXX and not one time were funds ever held for more than a day in order to post. I was never told by the branch these funds would be held. My deposit receipt does not state any hold being placed. 

The branch is always helpful and I alerted them to this problem in person today. Both tellers were in complete disbelief that the back office, as they called it, put a hold on a state issued check : much less for fraud. I do not fault the perssonel at the BMO branch in XXXX, CA as this action was not caused by them. 

I waited XXXX months for California to issue my XXXX funds. Bills are past due and I do not have any liquid assets and this bank 's actions have created even more unjust financial burdens. This is not right. 

Before the bank became known as BMO it was Bank of the West. I have been a client of Bank of the West for nearly XXXX years and never had this issue.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (WA)

I noticed I had a collection with CKS Prime back in XX/XX/2023. I paid in full the amount due which was {$640.00} on XX/XX/23. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. CKS Prime is saying that the debit paid is to a different creditor. That is false I paid CKS and have acknowledgement from CKS I owe them nothing. CKS kept the payment and never returned the money if I owed someone else, I am due a refund from them. I asked for verification on the collection that is reporting to my credit bureaus. I never received verification or proof I owe CKS. Strangely, the amount I paid is the same amount reported to XXXX, XXXX, and XXXX. I will attach tracking information which shows it was received from CKS Prime. At this point, I need two verifications, one for the {$640.00} and another for the collection still reporting for the same amount.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Dear Sir or Madam : I am writing to dispute the following information in my Experian credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have these accounts placed on my report by Experian. Please remove these accounts immediately, as my rights are being violated. Legal action shall be taken against this company, should these accounts, inquires and addresses below not removed from their report. 


Please update me, when these items are removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 


Also known as XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX NY XXXX Accounts XXXX XXXX XXXX XXXXXXXX Account : XXXX ADDRESS XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX VA XXXX Inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX, XXXX XXXX Enclosures : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Consumer complaint received 2023-12-29
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: Resurgent Capital Services L.P. (GA)

I am writing to formally lodge a complaint against your debt collection practices, which I believe contravene the provisions of the Fair Debt Collection Practices Act ( FDCPA ). My experience with your agency, particularly concerning a debt you allege I owe to XXXX XXXX, prompts this action. 

Count XXXX : Harassment and Unfair Practices Your agency has made over XXXX collection attempts, engaging in excessive and aggressive communication. This includes numerous phone calls, emails, and letters, constituting a breach of my privacy and amounting to harassment under the FDCPA ( 15 U.S.C. 1692d ). Such behavior is not only unacceptable but also illegal. 

Count XXXX : False Representation On XXXX XXXX XXXX, your agency reportedly misrepresented the date of last activity on my debt account. This act of " reaging '' is misleading, as it falsifies the statute of limitations on the debt. It is a deceptive tactic, contravening the FDCPA ( 15 U.S.C. 1692e ). 

Count XXXX : Inadequate Debt Validation Despite my requests, your agency has only provided billing statements, which do not constitute proper validation of the debt as per the requirements of the FDCPA ( 15 U.S.C. 1692g ). The provided documents are insufficient, and thus, the debt remains unverified. 

Count XXXX : Intentional Infliction of Emotional Distress Your agency 's unfair and illegal reporting practices have caused significant emotional distress. By providing false information to credit reporting agencies ( XXXX, XXXX, and XXXX ), you have not only harmed my emotional well-being but also hindered my ability to obtain credit under my business entity. 


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  Demands and Expectations Given the lack of proper debt validation, I demand the immediate removal of the XXXX LVNV Funding entries from my credit reports with XXXX, XXXX, and XXXX. Failure to comply may result in further legal action to enforce my rights under the FDCPA. 

Additionally, I expect a written acknowledgment of this complaint within 15 days of receipt of this letter. 

I am resolute in defending my rights under the FDCPA and expect a prompt and satisfactory resolution to these issues.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Capital One regarding the denial of my application for a 360 Checking account. My name is XXXX, and I arrived in the XXXX on XX/XX/XXXX through a XXXX XXXX. In an effort to secure a safe place for my funds, I opened a XXXX XXXX XXXX XXXX XXXX XXXX account on XX/XX/XXXX, as the nearest bank. 

Given my current jobless and social benefit-less status, it is crucial for me to rely on my available funds for daily necessities until I secure employment. Upon learning about the advantages of Capital Ones 360 Checking, I eagerly sought to enroll but lacked my Social Security Number at the time. On XX/XX/XXXX, equipped with my SSN, I contacted Capital One to open both a Savings and a Checking account, aiming to link them, especially with an upcoming job starting on XX/XX/XXXX. 

Regrettably, while the 360 Performance Savings account was successfully opened, my application for 360 Checking was denied. The reason provided was a report from XXXX XXXX XXXX XXXX XXXX, indicating a bad deposit account score ( XXXX ) and, consequently, a negative banking history. I find this perplexing as my entire banking history spans a mere XXXX  days, during which I struggled to meet basic needs without income.

I am seeking your intervention to understand how a negative banking history was determined within this short timeframe, especially considering my circumstances. Without gainful employment, my financial activities have been limited to essential living expenses.
Consumer complaint received 2023-12-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I have several Certificates of Deposit ( CDs ) at PenFed. I need to " cash out / close '' XXXX of those CDs, with the net proceeds being deposited into our XXXX XXXX Account at PenFed.

Per PenFed XXXX direction, I have submitted formal request ( XXXX ) via email to XXXX asking for the XXXX CDs to be cashed out. 

The formal request included the following specifics : acknowledgement and acceptance of the " early withdrawal penalty '', specific account numbers and dollar amounts of the XXXX CDs in question, specific account number of the Money Market Savings account which I'd like the net proceeds transferred to upon CD closure, and a .PDF containing the entire request with " wet ink signatures '' from myself and my wife ( joint accounts ). 

After XXXX formal requests ( initial request sent on XX/XX/XXXX and a follow up request sent on XX/XX/XXXX ), PenFed refuses to respond or even acknowledge the requests as of today XX/XX/XXXX. 

We have significant near-term needs for this cash ( XXXX XXXX XXXX XXXX XXXX XXXX ), and PenFed 's refusal to take action or acknowledge the request may cause potential unforeseen financial hardship onto us. 

Kindly requesting CFPB to intervene here to hopefully facilitate timely resolution. Thanks so much in advance.
Consumer complaint received 2024-07-04
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.