davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (OH)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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 2023-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their response to a complaint and their credit reporting practices. I believe that PRA has not adhered to proper verification procedures as required by law and has reported inaccurate information to credit reporting agencies. 

Verification Procedures Issue : In response to a complaint, PRA stated that they had verified the accuracy of the information they furnished to consumer reporting agencies, but their response lacks transparency and does not clearly explain their verification process. They have not provided an affirmative averment of truth, as required by legal standards. Additionally, they did not detail the steps taken to verify the accuracy of the allegations in question. This lack of transparency raises concerns about the validity of their verification process. 

Inaccurate Reporting of Balance : PRA claims that the balance owed on the account is {$1000.00} ; however, they are reporting to credit reporting companies that the balance is {$1000.00}. This discrepancy of {$0.00} is significant and constitutes inaccurate reporting, which has had a detrimental and negative impact on my creditworthiness. I request that this inaccurate reporting be rectified and the record is removed from the credit reports.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balanc : {$2400.00}
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (OH)

A fair resolution would be for XXXX XXXX, XXXX to obey the law per 15 U.S.C 1681 ( B ) as i do NOT have any memory of attempting to obtain any line of credit with XXXX.
Consumer complaint received 2023-10-26
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. (CA)

Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. I demand immediate attention to my identity theft disputes. The sluggish response and repeated denials have only added to my distress and frustration. My life has been significantly affected, and it's high time you recognize the gravity of the situation. I implore you to swiftly initiate a thorough investigation into these matters, remove the fraudulent accounts from my credit report, and help restore my financial standing. I'm not asking for special treatment ; I'm asking for what is rightfully mine as a victim of identity theft. Also, be advised, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please delete these fraudulent account ASAP.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX Account # XXXX Delete this account.
Consumer complaint received 2023-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (TX)

XXXX XXXX XXXX. was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options. 

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.
Consumer complaint received 2024-05-15
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-15
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: Experian Information Solutions Inc. (CA)

this credit inquiries not autorized by me is some one who has my personal information and tried to open credit card account. 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 2024-05-15
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. (NY)

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-05-16
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I have contacted American Express on multiple attempts for the account AMEX Business Platinum to remove the charge off on my credit report. They have violated 15 USC 1611. It is now a charge off which is considered a certificate of indebtness on my credit report and income can't be reported on there. Not only that, I've never gave them permission to report transaction history to third party companies nor have they asked me for permission 15 USC 6802. They also have violated the following 15 USC 6801 - Protection of nonpublic personal information. In the terms & conditions of AMEX, it specifically says that my information will not be reported to third parties in which the 3 credit bureaus are a 3rd party. This blemish on my credit report has caused grief to feeding my family as I can't apply for business loans or credit cards at all. According 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods, they were supposed to provide me a form of opt methods but I have never received anything, via mail, verbally, or email. I have attached a letter that I've sent to AMEX in XXXX. I've sent the letter multiple times with no resolution despite citing 26 CFR 1.1232-1 - Bonds and other evidences of indebtedness ; scope of section
Consumer complaint received 2024-03-03
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-05
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. (OH)

I wrote a letter on XX/XX/2024 to XXXX concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Consumer complaint received 2024-05-14
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It May Concern : I received the attached letter from SPS today. I am baffled and befuddled how this company can not correct the Escrow account? The letter sent is still INCORRECT. They have changed my property taxes to {$9000.00} and my property taxes are {$18000.00} PER YEAR? 

This is beyond frustrating. SPS is going to make us loose our home? And to top it off. I have been writing letters to them to correct the escrow account to reflect the correct annual property tax amount since XX/XX/XXXX an entire year. 

I have attached the property tax bill from XXXX XXXX XXXX and it clearly states {$9100.00} is due XX/XX/XXXX and {$9100.00} is due XX/XX/XXXX. This totals, {$18000.00} First and foremost the {$9000.00} amount is short {$390.00}? 

Second, based on this escrow analysis my escrow account will continue to be SHORT. By XX/XX/XXXX it will be short again. By XX/XX/XXXX it will be short again ..... 

Based on my complaint it is my contention that SPS should be liable to pay any shortage as they will not calculate my monthly escrow account correctly? I should not have to pay an additional shortage amount every month for the duration of this loan. IT NEEDS TO BE CORRECTED. IT IS NOT CORRECT. 

Is there anyway I can get a new servicing company because SPS is going to make me and my husband lose our dream home over property taxes? 

If, the property taxed are {$9100.00} two times for the year? HOW CAN MY ESCROW BE SET AT {$9000.00}? PLEASE EXPLAIN THIS TO ME? IT DOES NOT MAKE SENSE? 

FURTHER I AM REQUESTING THAT SPS BE RESPONSIBLE FOR ANY SHORTAGES AS THEY ARE NOT CORRECTING MY ESCROW ACCOUNT WHICH THEY ARE BOUND TO DO BY LAW. 

XXXX XXXX
Consumer complaint received 2023-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (FL)

I bought my car in the year XXXX  through Santander consumer ; ironically the year before they were sued and had to either repay consumers for the payments and release the titles of the cars to them because of an undercover credit check they did. Ive always made my payments either on time or early. I had a financial hardship due to my son catching COVID and me being laid off and they said they would put my late payments on the end of my load.. well they didnt happen and long story short I let them have the car because I couldnt afford it. I am a mom of XXXX and had I had more time and they moved the payments I could have caught up but they lied and told me I qualified when in actuality I did not. Santander is a scam and they have terrible reviews, anyone that has been scammed by them she be reimbursed!
Consumer complaint received 2024-03-05
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. (OH)

I am writing to express my continued frustration and disappointment regarding the lack of progress in resolving the fraudulent items on my account, despite numerous attempts to address the issue. 

As I have previously communicated through multiple channels, including phone calls, emails, and in-person visits to your branch, there are unauthorized transactions appearing on my account statement that I strongly believe to be the result of fraudulent activity. Despite providing all necessary documentation and information to support my claim, the fraudulent items have not been removed from my account. 

This prolonged delay in addressing the issue is unacceptable and has caused undue stress and inconvenience on my part. Not only do these fraudulent transactions compromise the security of my account, but they also undermine my trust in your institution 's ability to protect my financial interests. 

I urge you to prioritize this matter and expedite the process of removing the fraudulent items from my account. Additionally, I request regular updates on the status of the investigation and the actions being taken to rectify the situation. 

Furthermore, I expect your institution to implement stronger measures to prevent similar incidents from occurring in the future and to provide better support and assistance to customers who are victims of fraud. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud 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
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VI)

On XX/XX/2019 XXXX was giving the seller trouble so as a result XXXX was used to send {$220.00} via the USAA app to XXXX XXXX. Im not sure if it was even sent to the right person because I never heard anything back after making the transfer. Eventually I realized it was a scam and quickly notified USAA the week of the XXXX. Today ( XX/XX/XXXX ), I was just notified by USAA that a refund cant be issued because I authorized the transaction. I am completely stressed because {$220.00} is not a small amount of money I struggle to make ends meet each day so this is a major stressor to me. Through all my years of banking Ive never been scammed. I usually extremely careful, but Im somewhat upset with USAA because being that they brand, provide and advertise the app, a lot of members put their trust in using XXXX, so incidents like this is frustrating and degrading to USAAs brand. USAA sets the bar high to prevent issues of such and its unfortunate that theyd even promote this untrusted app. Im very disappointed.Thank you
Consumer complaint received 2023-11-03
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-15
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. (GA)

Experiencing a sudden plummet of XXXX points in my credit score this month due to a reported late payments has left me deeply concerned. It's baffling to encounter such a significant drop, especially when I've diligently managed my finances. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically the 15 USC 1681 section, I firmly believe that there shouldn't be any unwarranted damages on my credit report. It's imperative for me to take immediate action to address this issue, meticulously examining my credit report for inaccuracies and initiating the necessary steps to dispute the erroneous entry. Restoring the integrity of my credit profile is paramount to safeguarding my financial stability and future opportunities.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Im writing to express my frustration and disappointment with Citibank. Ive been a customer for many years and I believe I deserve much better treatment from them. 

I received a personalized email from the bank which they encouraged me to share with my friends or family. Once a friend opens an account using the link and keeps the account in good standing I would receive {$100.00} bonus within 90 days. 

So my friend opened an account on XX/XX/12, but I havent received any bonus. The bank doesnt share their email address, you can only chat or call them. I tried to chat first. Talked to two people, an associate and a supervisor. They refused to help, trying to get rid of me by convincing me to call the dedicated team about it. What dedicated team they were referring to?? Everyone in that call center was absolutely clueless. Five people were bouncing me from one to another and none of them had any idea about the promotion. I spent an hour on the phone and hadnt heard anything intelligent or useful. 

Unfortunately for the bank i have the promotion email and my communication with them saved, which I will include in attachment.