davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (FL)

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintain on XX/XX/year> I received a response stating that the accounts were verified on XX/XX/year> iam formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.iam requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXXXXXX paid never late XXXX XXXX XXXX deleted by collection company per FCRA you are required to provide me this information within 15 day 's or deleted the negative information from my credit report
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MI)

PayPal. Someone sent me {$1100.00} USD on XX/XX/XXXX. PayPal had a problem with their system and it was converting some accounts to GBP. My account was affected and the money is still showing up as GBP. When it converts to USD, the amount is lower than what was sent and there are conversion fees. I live in the United States. The person transferring the money to me lives in the United States of America. 

Additionally, PayPal somehow changed my currency to GBP so I had to talk numerous hours on the phone with them trying to get them to change it back to USD. I have NEVER, EVER used anything except USD for my transactions, whether sending or receiving! 

I have spent countless hours on the phone with them, used the chat feature with them, and have several e-mail communications with them. It is now XX/XX/2023. This has been going on since XX/XX/XXXX when I tried to access my money. 

They need to change the transaction back to USD, which is what is was sent as, in the amount of {$1100.00}, with no fees charged. It is their mistake. I don't even know if they have their algorithm straightened out or not yet. 

I am attaching a document that reflects only part of my communications with them.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar is in violation of CA Homeowner Bill of Rights anti dual tracking policy by continuing with a foreclosure proceeding when borrower is seeking an alternative to foreclosure. A short sale request was submitted on XXXX/XXXX/16 and Nationstar set a foreclosure sale date for XXXX/XXXX/16. Furthermore Nationstar has stated they will move forward with the foreclosure which is a clear violation of CA Homeowner Bill of Rights which explicitly states lenders and servicers " CAN NOT CONTINUE WITH THE FORECLOSURE PROCESS ONCE A FORECLOSURE ALTERNATIVE PROGRAM HAS BEEN SUBMITTED ''. There is nothing in the CAHBOR which limits dual tracking to only modifications nor is there anything in CAHBOR which states a short sale must be approved to avoid dual tracking. This is a fallacy concocted by Nationstar which is not accceptable nor is it legal.
Consumer complaint received 2023-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MI)

This submission is a continuation of the prior issue sumbitted In XXXX 2023 From XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX Once again One Main Financial feels they can do whatever they decide. I have been notified that my loan had been recalculated. One Main Financial took from XXXX to XXXX to make the necessary changes. Here are two issues : OMF knew their process of scamming customers by overcharging on interest for cancelled add-ons was illegal. They continued this illegal practice even after the CFPB won an enforcement action to the tune of XXXX XXXX dollars. Last week, the Consumer Financial Protection Bureau ( CFPB ) ordered installment lender One Main Financial to pay {$20.00} XXXX in penalties and redress due to a failure to refund interest that was charged to XXXX customers who canceled their purchases within the designated full refund period, When I notified OMF that I had cancelled the add-ons, they know immediately how to remedy this problem. Instead, they dragged their feet and now have the audacity to say I am 3 months late and owe late fee. How the XXXX does that work? I had no idea what my TRUE monthly payment would be. The second issue is that OMF has refused to show me the new loan calculations. I have made 5 requests to show me these new loan calculations. I think they are hiding the fact that once again they are attempting to rip me off. How is it that I am expected to pay a monthly payment, I have no idea how any figure was decided upon. Also, the XXXX and XXXX payment they are demanding seem to include the interest for the original amount of the loan. 
I am request that CFPB file a new enforcement action against One Main Financial
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Wrong adressses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

I received an alert about this collection and called to find out that it was for a XXXX XXXX  bill that I was unaware of. The collection agency informed me that the debt had already been reported to the credit bureaus and claimed that I had ignored multiple bills sent to me. However, I never received any bills from either the collection firm or XXXX XXXX. 

Upon learning about this debt, I promptly paid the account to avoid owing any money. Despite this, the collection agency reported the debt to my credit report without giving me an opportunity to pay it beforehand. When I asked about removing the collection from my credit report after payment, they told me that they do not offer " payment for deletion. '' I expressed my confusion about this term and reiterated that it seemed unfair to report the debt when I had not received any notification about it. 

I believe it is unjust that I was not given a chance to settle the debt before it was reported to the credit bureaus. This has negatively impacted my credit score, and I request that the CFPB investigate this matter to ensure fair treatment for consumers. I also request the removal of this collection account from my credit report since I was not properly notified about the debt.
Consumer complaint received 2024-05-29
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. (MA)

To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted.

- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly.

- The consumer is then notified of the changes made.

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation.

- Detail the steps taken to verify the {$3900.00} debt amount.

- Provide contact details for the furnisher of this debt information.

- Report any updates or corrections made based on the investigation findings.

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified.

They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.
Consumer complaint received 2024-05-29
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. (GA)

Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( XXXX, XXXX, EQUIFAX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you for your assistance in this urgent matter.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-29
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (FL)

THE BUREAUS and XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-07-29
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. (VA)

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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-05-29
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. (MO)

-- -- -- -- -- -- -- -- 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 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.
Consumer complaint received 2023-06-17
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. (NY)

When I received a copy of my credit report from Trans Union. I sent them a certified letter ( which I am providing as well as the letter ) on XX/XX/23 ( delivered XX/XX/23 ) as well as a second XXXX on XX/XX/23 to let them know they are reporting inaccurate information on my credit report. According to the FCRA, I have the right to an accurate credit report. There is a collection account XXXX XXXX XXXX # XXXX that they are listing on my report after ( investigating which I wasnt sent exactly how it was investigated ) that is showing OPEN and also shows a PAST DUE amount of now XXXX, as well as a balance of XXXX. I REQUESTED THIS BE DELETED FROM MY REPORT AND A COPY SENT TO ME REFLECTING THE DELETION OF THE ACCOUNT. Its very frustrating trying to keep up with my credit report and trying to resolve inaccuracies, yet feeling as though even when I reach out Im still not being provided with accurate reporting. Ive asked multiple times and now feel theres no other choice but to take more action.
Consumer complaint received 2024-05-29
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. (AL)

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 2024-07-30
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)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$140.00}
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-30
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. (LA)

XXXX XXXX XXXX XXXX placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified XXXX XXXX XXXX XXXX of this error and was told I had to pay my full balance in order to have the error corrected.
Consumer complaint received 2024-05-29
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. 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 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.