davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I never received any notification of this debt from the debt collector. I went to apply for an apartment and they let me know that with this debt showing on my credit report, they could not approve me until it was cleared and that I would have trouble finding any apartment to approve me. I have been unsuccessful in reaching a live person at the agency that reported the debt. " Rent Recovery Solutions ''. 

This debt belongs to my mother. I lived at the apartment complex with her from XXXX XXXX XXXX through high school. I never signed a lease and was never on the lease. The only tenant on the lease was my mother. I have attached proof of the lease agreement and invoice that shows that it does not belong to me. Rent Recovery Solutions should not have reported to my social and I have no idea how they obtained my social security number.
Consumer complaint received 2024-06-15
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. (IL)

I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on Equifax ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (PA)

Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with XXXX XXXX XXXX XXXX & EQUIFAX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PAID IN FULL, INC. (AZ)

CFPB To Whom It May Concern : I am writing this statement to bring to your immediate attention a case of predatory and deceptive practices involving a collection account with PIF IncXXXX XXXX XXXX XXXX This matter has caused significant financial hardship and emotional distress, and I seek your urgent intervention. 

Despite numerous attempts to dispute this inaccurate debt/collection account, the account continues to report on my credit report. I have contacted IPF numerous times for which they have stated that they have NO record that this account has ever belonged to me and are therefore unable and or willing to provide the proper debt validation documentation that I have requested. 

This continues to be utterly shocking and distressing as I have continued to request validation of this debt with XXXX response from IPF. Upon discovering this erroneous collection account, I immediately contacted XXXX XXXX, XXXX and XXXX XXXX as well as IPF. They ( IPF ) confirmed that the account is not verifiable. Despite their acknowledgment, the collection account continues to be inaccurately reported by IPF to XXXX XXXX, XXXX, and XXXX. 

For several months, I have been disputing this incorrectly reported debt with the aforementioned credit bureaus. Despite my persistent efforts, this false information remains on my credit report. This ongoing issue is not only frustrating but has also caused me severe financial hardship. The inaccurate reporting has adversely affected my credit score, making it difficult for me to secure loans, housing, and other financial opportunities. The continued presence of this erroneous collection account on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Their continued predatory practices and blatant disregard for my consumer rights, needs to be addressed. The continued lack of response to remove the item from my report is predatory and deceptive, causing unwarranted damage to my financial standing and peace of mind. I respectfully request that the CFPB intervene in this matter immediately. I urge you to investigate this issue and ensure the immediate removal of the inaccurate collection account from my credit report. This correction is essential to restore my financial integrity and protect my consumer rights. Thank you for your prompt attention to this urgent matter. I trust that the CFPB will take swift and decisive action to rectify this grave injustice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened A Business credit card in XXXX of XXXX. As per the terms of the agreement this credit card is stickily for my business use and that any reporting will be to my business credit report and not my personal credit report. I have not missed a payment nor been late with a payment or any other default in regards to my business credit card. It has been reflected on my personal account since XX/XX/year>. I contacted capital one customer report and explained the inaccurate reporting to my personal credit report and how it is having a negative effect on my creditworthiness and they did nothing to remedy the matter.
Consumer complaint received 2024-06-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC (WI)

I received a letter datedXX/XX/2024, notifying me that my loan was in default and that I had thirty-three days ( 33 ) until XX/XX/2024 to pay the past due amounts before my loan was placed into foreclosure. On XX/XX/2024, I called XXXX XXXX XXXX and talked to a representative named XXXX who first told me that my loan was in active foreclosure and, therefore, she could not accept a payment over the phone. She said I would need to request a re-instatement letter and then pay via certified means. I pointed out that the letter dated XX/XX/2024 said I had until XX/XX/2024 to correct the default before the loan was placed in foreclosure. She reviewed the documents in my file and agreed. So after checking internally, she called me back and informed me she could accept payment over the phone, at which point I authorized a payment including the past due amounts listed on the XXXX XXXX letter along with the payment due XXXX XXXX 

On XX/XX/2024, I received a letter from the company dated XX/XX/2024 stating that they had received my payment but it was not enough to cover the past due amounts and that the XX/XX/2024 deadline remained in place. On XX/XX/2024, I called to discuss and made contact with a representative from the modification department named XXXX. She informed me my XXXX payment was {$.00} short and I still owed late fees for XXXX but that the loan was not close to foreclosure. I agreed to pay the {$.00} and XXXX late fees and she assured me once again that my account was not in foreclosure and said she had no idea why the XX/XX/XXXX letter was sent.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Dear Bank of America Customer Service, I hope this message finds you well. I am writing to address an issue regarding my credit card account that needs urgent attention. 

I received a call from one of your representatives to set up automatic payments for my credit card. Unfortunately, the payment that was deducted was for the incorrect amount. As a result, my account has been marked with a late payment status. 

I want to emphasize that I have never missed a payment on any of my credit cards before this incident. This error is now adversely affecting my credit score and hindering my ability to receive approval for important financial matters.

Additionally, there was a similar mistake with another one of my credit cards, which was promptly corrected by Bank of America. However, this issue with the current card has not been resolved yet. 

I kindly request that you remove the late payment status from my account immediately and correct any related errors. Your prompt action on this matter would be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX ( XXXX ) XXXX Card Ending in XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valentine and Kebartas, Inc. (CA)

XXXX XXXX, XXXX purchased an old debt from the XXXX XXXX XXXX I had requested that the original creditor not phone me by phone because they have a habit of robot calls. I am reaching out to you to communicate to the new collection agency Valentine & Kebartas , LLC that the same shall apply to them. I do not wish for them to communicate with me by email, text, or cell phone. I do not want to be harassed.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

After XXXX complaints against Macys in XXXX, both resolving in closing my account and paying me, I received a replacement credit card in the mail on XX/XX/XXXX. I did not request this card and have not had an account with them since XXXX per the prior XXXX resolutions. Macys sent this card to an address that they never had on file. XXXX of the letters they sent me even references the fact that my account was closed.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Document Date : XX/XX/2024 EARLY WARNING SERVICES , LLC ( hereinafter " Company '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX ATTN : OPT-OUT DEPARTMENT Re : PERMANENT OPT-OUT OF PREAPPROVED OR PRESCREENED OFFERS OF CREDIT/INSURANCE To Whom It May Concern, Please accept this letter as my formal request to remove my name permanently from the lists that your Company provides to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. under the Federal Law, you are required to comply. 

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XXXX  ADDRESS : XXXX XXXX XXXX XXXX. XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX After this Permanent Opt-Out has filled, please send me written confirmation to the address listed above. 

I sent this notarized letter via certified mail to confirm my identity and ensure that this request will be processed. 

Your immediate attention to this matter is appreciated, thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (GA)

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. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AZ)

My account was locked as a result of a XXXX payment that I authorized. 
This was only the second time using XXXX for me. 
I called to authorize this, provided my information, and the account was further locked. 
I was told to call a local branch, and when I did they directed me to the XXXX  phone line, which I had already called. 
I called the XXXX  line again, provided my information, and was told there was nothing I could do, except go in person. 
I live in AZ as of XX/XX/XXXX, and moved from XXXX, which is where physical offices existed. 
I have since called a local branch again, provided them with info, validated my account, and still not been granted access to my funds. 
My funds have been kept from me for 23 days and no one has given me an option to help, aside from flying to a brick and mortar bank. 
This is unacceptable and I want access to my funds so I can close my account. 
I have been with Truist since XXXX when it was SunTrust.
Consumer complaint received 2024-07-15
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: AMERICAN EXPRESS COMPANY (CO)

I have already reported this. I was scammed out of {$880.00}. American Express keeps closing and reopening the dispute. They responded to my previous CFPB complaint that it was mishandled and closed but then reopened it the exact same day. The scammer had provided merely an obviously falsified and absurd XXXX XXXX document that anyone could make. I have provided screen shots of everything I could, as well as clear descriptions of proof that their word document is false and that the shipping information was a lie. The product ( a XXXX XXXX XXXX XXXX XXXX ) was delivered to a locker NOT at my address weighing only XXXX. Their proof is a screen shot of XXXX maps with a pin in my address ( but also shows nearby businesses which clues into it being a XXXX maps screen shot that someone at American Express agreed on ). Their proof says it was shipped and delivered both at midnight on the same day ( which I have pointed out to American Express multiple times ). I have provided their email and phone number. I have submitted an IC3 report, a report with XXXX ( their site was taken down the exact same day it was delivered which I have also told American Express about ) I have submitted a previous CFPB report which was conveniently closed right before they reopened the dispute. At this point it is a detriment to health, the stress is ridiculous. I can not believe after nearly a decade with American Express, a business account, a savings account, and referring family, that this is honestly how they are treating this situation.
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NY)

I purchased my current residence in XXXX. The servicer at that time was XXXX. The service has changed several times since then with the last one as XXXX. In XXXX or XXXX of XXXX, XXXX sent a letter saying I would have a new servicing agency. This was supposed to occur in XX/XX/XXXX. I did not hear anything from the new company and when XXXX came I went ahead and made my mortgage payment to one of the companies which great hesitation. The previous companies would send a letter with contact information and instructions before the new servicing date, but this company did not. With XXXX my loan was modified from over {$1800.00} a month to {$1300.00} per month which worked out perfectly. I made an extra payment in XXXX of {$1500.00} and made all payments up until XX/XX/XXXX. In XXXX of XXXX, I received my first statement from a company by the name of Gregory  Funding. Prior to that, I received a generic letter stating that they were behind in sending out the statements. When I tried to call the company I am always put in a cue of 100 to 125 callers on the line. I then noticed that my monthly payments were increased without prior notice from {$1.00}, XXXX to {$1600.00}. In addition, the company started asking for payments over {$3000.00} without an explanation. I wrote the company after not being able to reach anyone by telephone, which was sent to the XXXX XXXX address on XX/XX/XXXX with no response and a second letter sent certified return receipt on XX/XX/XXXX. This company has failed to communicate with me even with attempts made to rectify this issue. They appear to want to force me into foreclosure and ruin my credit, yet they did not reach out to me prior to XXXX to introduce themselves and provide contact information. I want my loan put back at the modification level that it was and my credit cleared of all late charges. My balance must be updated and current. However, I first would like to know if this is a legitimate company with the right to service this loan. There are some concerns because their communication is poor, which seems very odd for a legitimate business. It seems very strange that a servicer would not work with the customer to fix an issue that they created.
Consumer complaint received 2024-06-18
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. (AL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting Act XXXX  Account # 's XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) _ 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Also The Heros Act ( Section 110401 )
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Collection account on my credit report shows open account from XX/XX/year>, I did not open an account in XXXX of XXXX and i dont know the creditor. The creditor is XXXX XXXX XXXX. phone number 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I've sent several certified letters ( three letters ) to Transunion, the last one to include FTC report about four ( 4 ) XXXX  XXXX accounts that were fraudulently created. First, Transunion claimed there was a backlog issue and the letter I sent in XXXX, wasn't received until late XXXX. I've been calling Transunion and each time I speak with a representative, they have been extremely rude without any consideration of what I've been dealing with trying to remove these accounts. 

On XX/XX/2024, Transunion sent me a report ( report # XXXX ) stating they would remove five ( 5 ) inquiries - one of which was a XXXX XXXX account. The rude rep today told me they couldn't remove it because I had a XXXX account. I explained to her it was fraudulently obtained - without my consent.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MD)

I was Reported to XXXX by BB & T bank back on XX/XX/XXXX, For a Bill to pay off a Chargeoff, i already paid off that Bill back in XXXX or XXXX i believe, The bill was for {$800.00} or more, i dont remember the exact amount? Please help in way that you can?