davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NH)

In XXXX, I attended XXXX XXXX XXXX XXXX XXXX XXXX ) for three semesters. All educational expenses incurred during this period were fully paid, and there had been no outstanding debt related to my time at XXXX for decades. 

Unexpectedly, in [ exact month of the letter, if available ], I received a letter from ECSI Corporation stating that I owed a debt amounting to {$3100.00}. This claim was surprising and unfounded based on my records and understanding of my financial obligations to XXXX. To further investigate, I checked my credit report, which alarmingly listed a debt associated with ECSI for {$6000.00}. 

Seeking clarity, I promptly contacted ECSI to inquire about this discrepancy. During this conversation, a representative informed me that the debt was sent to them by XXXX. This information was perplexing as my educational expenses from XXXX were settled in full, to the best of my knowledge and according to my records. 

To date, I have not received a satisfactory explanation or documentation justifying this sudden claim of indebtedness. The appearance of this debt on my credit report and the demand for payment from ECSI are concerning and appear to be in error. I request a thorough investigation into this matter, including a review of the original documentation from XXXX that allegedly substantiates this debt, and a detailed account statement from ECSI. 

I am committed to resolving this issue promptly but require clarity and evidence of the claimed debt 's legitimacy. Your assistance in investigating and addressing this unexpected and questionable debt claim would be greatly appreciated.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (ME)

There has been an ongoing complaint that i started with Ford by letter prior to them hiring the attorney they chose. I received a number of letters from Ford in the mail them continuing to make false statements and its very confusing The last letter. received here in the CFPB portal is being attached. im not sure why they persist to renegotiate after they say they are going to do something. The account is not supposed to be affecting my credit anymore. Dealing with them directly they are not honest. They dont follow through and continue to play games with my credit score. They should put themself in my shoes cause they are the huge multi billion dollar company not me. I didnt cause this mess. But not they took ownership of the truck and its gone. they cant give it back to me. Its been over 3 years. so now this is their baby. Not mine. They may have hired their attorney in XXXX as they claim but i certainly didnt hear from them cause all this could have been avoided back in XXXX. Mistakes happen but i cant afford to pay for this one. and they said they were going to mark it paid with a XXXX balance and there should not be a repo either cause i wouldve have NEVER done this knowing all the facts and i have a right to know and the law protects me from this type of behavior. They said 30 days how many times now? This needs to get done!
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Re : The remaining temporary provisional credits to be issued immediately to my account. 

I am providing documentation to show proof that I did report all of the fraudulent, unauthorized wire transfers and unauthorized fraudulent withdrawals from my accounts within the 60 day time frame. ( See attachments ) The reimbursement for the remaining unauthorized transactions for accounts should be reinstated and a temporary provisional credit should be issued for the remaining balance of the transactions for both accounts, as the investigation is on going. ( See attachments. ) There must be a temporary provisional credit for both accounts immediately, for the full amount, as the investigation is still on going, as and additional time was requested by the bank. 
The end of the ( 10 ) business day wait time for both accounts ended.

I also, went in to the bank for help to resolve this issue and got no help.

I was also not contacted by the claims/fraud department for additional documentation to provide proof of my reporting these unauthorized transactions from my accounts, the bank instead try to blame me for something that they didn't even bother to ask for, and then proceeded to prematurely close the investigation and assumed that I didn't have proof, ( which I do have proof ) .. to then deny the remaining unauthorized transactions. 

On XX/XX/2023 I tried to apply for a wells fargo personal loan when these unauthorized fraudulent transactions took place to try and recoup my money, and was denied the loan with a hard inquiry that is still on my credit report. 
Please see the additional documentation for proof of my reporting to Wells Fargo all unauthorized transactions for both accounts within the 60 day time frame. 
Regards, XXXX XXXX
Consumer complaint received 2024-04-07
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. (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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-04-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I am filing this complaint against Wells Fargo bank because on XX/XX/2023 I checked my Wells Fargo checking and saving accounts I noticed multiple unauthorized transactions. An unauthorized person was able to login into my account # XXXX and transfer a total of {$8000.00}. There was also multiple wire transfer from my saving account # 1937, {$30.00} was transferred 4 times to an unknown person, {$4600.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, and {$4800.00} to XXXX XXXX to XXXX XXXX. There was also a XXXX to XXXX XXXX in the amount of {$830.00}. The bank has closed the account due to someone having access to the account. 
I called Wells Fargo several times to open claims, never investigate the claims, and they closed the claim without investigating them. They didnt investigate to find XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , and XXXX XXXX , Instead, they try to accountable me for a total of {$28000.00}. 

I have a police report from XXXX Police Department, case # XXXX. The police report is available upon request.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION (MS)

In Louisiana we have to buy 3 insurances, a wind and hail policy, home insurance and flood insurance. I found an insurance policy from XXXX XXXX  XXXX that provided wind and hail and home insurance for {$3700.00}. The escrow department from Fifth Third Bank got a refund from XXXX XXXX that I cancelled on XX/XX/year>2023 and I provided a refund back to the escrow department and my insurance agent provided the new policy from XXXX XXXX XXXX to the escrow department on XX/XX/scrub> 2023 also. Fifth Third escrow dept rebought XXXX  XXXX XXXX and charged an extra XXXX a month because they didnt discontinue XXXX  XXXX and XXXX Home insurance after repeated attempts to cancel them by two insurance agents and me. As a result, my mortgage payment went from XXXX a month to XXXX a month. I asked the escrow dept if they could take the old charge off and cancel XXXX  XXXX and XXXX Home insurance repeatedly but they didnt. The escrow dept said I had to apply for hardship assistance in order for them to take the old insurance off. The hardship department said I had to apply for a loan modification or deferment. The escrow dept stonewalled me into believing hardship assistance could help. My loan was in forbearance until XX/XX/year>2023. Every time I asked for an update, the loan solution center said it was under review or in forbearance without providing any explanation as to why I didnt qualify for a deferment or loan modification. In XXXX of 2023, with no notice or phone call my loan was put in foreclosure. If I had some kind of notice, I could have paid the arrears off. Now my credit is ruined and I can not pay it off because of high lawyer fees and have no choice but to sell it.
Consumer complaint received 2024-04-07
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. (GA)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (DC)

XXXX XXXX XXXX  was my mortgage company. Mr. Cooper bought my mortgage from them. I received no information about this from anyone, and it wasn't until about XX/XX/2024, that I noticed my mortgage payment had not been deducted from my bank account. I logged into my online account with XXXX XXXX and learned that my account was closed and that my mortgage had been sold to Mr. Cooper. I received no information from Mr. Cooper and did not communicate with them in anyway. I never authorized Mr. Cooper to charge my bank account for any payments. On XX/XX/XXXX, Mr. Cooper charged my bank account for my mortgage payment {$2300.00}. I had no knowledge that this payment was going to occur and I never authorized them at any point to charge my account. I called them and they claimed they were allowed to do this. I called my bank ( XXXX XXXX ) and disputed the payment.
Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-07
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : XXXX XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

After filing several disputes through XXXX XXXX that did not remove the credit reporting, I sent a letter with evidence shown below on XXXX XXXX. If you need to see the post office receipt, I can send that upon request. There was a letter sent to me after that, requesting that I pay the debt for debt collection. I have had no communications other than attempting to collect a debt. They did not send me anything in the mail, showing why they declined to remove the credit reporting on this false debt. The only types of communications has been them trying to collect the debt. I called yesterday, XXXX XXXX to ask about why they sent me another letter after I did the dispute in writing, they could not get a hold of the person only one person I can talk to about this problem. I had to leave my phone number for callback. I informed them that I work during the day and its hard for me to take a phone call. He did call back, as requested to leave the information, I was able to get to the phone and start talking with him about the dispute. He informed me it would take several weeks for the dispute to be reviewed and then proceeded to ask me why I disputed the debt and was attempting to collect the debt again. The call ended in frustration and I dont think theyre doing the right thing. 

The reason being I had my lawyer, send a letter, talking about the damages to my car, stolen tools, and the constant infestation of cockroaches they could not get under control or advise me how to fix. The XXXX XXXX manager, XXXX XXXX responded in writing, saying if I be OK with relinquishing my security deposit, the lease would be released. After that letter I moved out, returned to my keys and did not receive any other notifications that there was a problem. I forwarded my address they had my email and they had my phone number. I have not received any bills for damages or request for rent, the only way I knew there was a problem was the was when I received a letter from debt collector.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I had a balance due from an apartment community that I didn't receive email or physical mail or phone call correspondence of a debt due. I received a text/phone call with attempt to collect by the collection company, but no way to verify who they were other than share with them my social security and/or date of birth. I wasn't comfortable sharing that with no way offered to verify them or the debt. 
They then submitted the credit agencies without offering to verify who they were. With the many scams by phone and online, I feel they should have made an attempt to verify themselves and the debt. The original debtor would not return phone calls and also never called me and I didn't receive email or physical mail notification of the balance due. They both appear to have had my correct mailing address, phone number and email. 
I did a search in my spam email and did find several collection email notices from the collections company, but I don't have control over their email going into spam. These companies should be required to send physical mail and a way to call with a method to verify who they are. 
After I did find a report to my credit then search further into my spam folder, found the email in spam, I verified the debt and paid the amount due promptly.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NY)

I wrote a CFPB complaint in XXXX of XXXX requesting that Security Credit Services provide a validation of debt and that they have proof of claim to this alleged debt. They responded with a generic letter and a copy of the lease agreement. XX/XX/XXXX I mailed out a letter to them requesting everything in detail, because maybe they didn't understand what I was requested. I wrote a 5-page letter, specifically asking for detailed items to show proof I owed them a debt. Included in that letter was also an affidavit, I requested an affidavit in return signed, but did not receive anything but another generic letter stating that they " have the right person in their records ''. Again attaching a copy of a lease agreement, since when did a copy of a lease agreement constitute a proper validation of any debt? I also have been contacted by XXXX other companies, do they also have a valid claim because they have a " copy '' of a lease agreement? This is an ongoing thing where Security Credit Services doesn't acknowledge anything in my correspondence and just responds with a simple letter hoping to collect money. Last year in XXXX of XXXX XXXX XXXX was fined for their numerous violations of consumer rights, deceptive collection practices, and not providing full disclosure. Which also questions the amount owed in any alleged debt. This was my biggest issue with XXXX because they never could provide me with an explanation of the amount owed, and I believe it was exaggerated. I also believe Security Credit Services and XXXX XXXX are working together, and with the many bad reviews on XXXX about Security Credit Services apparently, I am not the only one with that sentiment. Not only did Security Credit Services ignore what I requested, they also ignored The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Court. The court has notified everyone of my filing, and Security Credit Services has chosen to ignore them and continue reporting inaccurate information on my consumer report.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I opened the account for new doors through medallion security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my XXXX XXXX Account is delinquent past XXXX days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with XXXX XXXX.