davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In disdain of multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft.I am pleased to request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (MD)

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. 

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. 

XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. 

I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. 

My emotions may be running high, but my determination to resolve this matter is even stronger.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2023-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (NV)

This complaint involves the primary collection agency and a more recent collection agency. To begin, the primary collection agency Harris & Harris LTD began contacting me about a valid medical debt on XX/XX/XXXX for {$550.00}. I contacted Harris & Harris LTD on XX/XX/XXXX and spoke to a XXXX XXXX. She would not give me her first name. I settled and paid {$330.00} as an agreed settlement amount between me and Harris & Harris. Confirmation # XXXX. I continued to receive debt collection calls and letters to my home which I have copies of. I contacted XXXX XXXX back on XX/XX/XXXX at XXXX per XXXX XXXX would close the case out per manager. 
XXXX Received another letter to my home from Harrris & Harris . Called XXXX XXXX back per XXXX XXXX admitted this letter should not have been sent out and that this is wrong. Spoke to manager XXXX XXXX and she reassured me that she would close this case out and no other correspondence would be sent. 
XXXX received debt collection call from XXXX XXXX XXXX ina temp to collect the debt in which I settled with Harris and Harris . 
I wish to file a complaint against this matter and to stop the harassment calls. Please contact me if there is any questions.
Consumer complaint received 2024-05-16
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WA)

To Whom It May Concern, I am writing to formally complain about a fraudulent issue that occurred with a XXXX XXXX XXXX XXXX I was gifted. The card was supposed to contain {$200.00}, and I received it on XX/XX/XXXX. Initial purchases totaling approximately {$20.00} were made successfully. However, subsequent attempts to use the card revealed that the balance had been depleted. 

Upon checking the transaction history, I noticed unauthorized transactions that were completed before I ever received the card. This indicates that the funds were stolen sometime between the purchase of the card ( between XX/XX/XXXX and XX/XX/XXXX ) and when I received it. 

I contacted XXXX 's customer service on XX/XX/XXXX, and was informed that I was not the only victim of such incidents. They acknowledged a broader issue and were supposedly processing refunds for those affected. I was assured that the matter would be resolved by XX/XX/XXXX. However, as of now, almost XX/XX/XXXX, my dispute has not been resolved, and my multiple attempts to contact them via email have gone unanswered. I have learned that other customers have experienced similar issues and lack of response. 

This experience has been a significant inconvenience and financial loss. Therefore, I am seeking assistance from the CFPB to investigate this matter further and to help facilitate a resolution. 

Thank you for your attention to this matter. I am willing to provide further details or documentation as needed to assist with your investigation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX XXXX XXXX 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-05
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-05
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

On XX/XX/2024, Nelnet told me my student loan payment was adjusted to {$0.00} on an Income-Driven Repayment Plan. Since then, they have continued to attempt to collect payment.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (NY)

XXXX XXXX initially under XXXX  forbearance and I wanted to resume payments in XX/XX/XXXX. I thought they would be working in XXXX XXXX to support XXXX  in the process of getting back on XXXX XXXX. XXXX XXXX wrong. XXXX XXXX given the run around for over XXXX years. They would asked for XXXX  than say they didn't receive it. Even though I sent the information via XXXX and I have proof that it was sent. Fast forward in early XXXX, I finally had a notification that I had a complete package. Which was soon after XXXX  a modification because they said that I had XXXX XXXX modification in the past ( XXXX only had XXXX, and that was XXXX year ago ). This limited XXXX  optionsXXXX XXXX asked them for clarification about how many modification is considered XXXX XXXX They wrote XXXX  back that it was an error, and that I didn't have XXXX XXXX modification. That they would take a look at my request XXXX  more. I was denied XXXX  after stating that they didn't receive a signed profit loss statement from an XXXX. For the past XXXX years XXXX XXXX sending a profit loss statement and never had it signed by an XXXX  and never even was asked to do so. They denied XXXX  before they gave XXXX  a chance to get what they were asking for. At that point, XXXX XXXX ready to move forward apply for the modification and get them the information they were asking for at which point they told XXXX  that the guideline changed as of XX/XX/XXXX and that they would not be able to review a modification XXXX  for XXXX  until XXXX XXXX is no longer XXXX. How can I get XXXX XXXX no longer delinquent when the arrears are so XXXX, because for over XXXX years I have been in the back and forth with the bank/servicer and with no resolve. I am a hardworking XXXX  payer and all I want to do it pay XXXX  XXXX  and take care of XXXX XXXX Please XXXX XXXX
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (HI)

I had a vehicle financed through Wells Fargo. I identified a problem with my account and a charge that was not correct. While I was trying to remedy the situation I was communicating with managers about my account trying to get them to fix it. They repossessed my vehicle and refused to refund me the costs associated with their wrongful repossession. When I found out about the civil action against them I called and they said I would be contacted and receive a check in the mail. I have not heard from them. They sent me check for {$5.00}. I believe this is a sneaky attempt at getting me to settle. My lawyer informed me that by cashing the check I am agreeing to their settlement. I have not cashed the check but I am unsure what to do to receive the amount I am owed. I also do not know how much I am owed as this was many years ago and do not have the paperwork any longer. Please let me know my options as I feel Wells Fargo is still up to their shady tricks.
Consumer complaint received 2024-04-01
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (FL)

PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW. RE : credit card account # XXXX and Account # XXXX opened XX/XX/XXXX and XX/XX/XXXX. NOTICE TO OPT-OUT UNDER THE FAIR CREDIT REPORTING ACT. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.