davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Bankruptcy 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
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (MN)

I disputed a collection account. XXXX did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of ASMHER COLLECTION SERVICES reporting to my consumer report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Re : Cease and Desist Letter Pursuant to 15 USC Dear Capital One I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX estate Signature on file
Consumer complaint received 2024-04-18
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove inquiries never authorized by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Also remove the accounts below that were never authorized by me : XXXX  XXXXXXXX XXXX handle by XXXXXXXX XXXX XXXX for the amount of {$760.00} XXXX XXXX. XXXX XXXX XXXX XXXX handle by XXXX XXXX XXXX for the amount of {$2200.00} XXXX XXXX. handle by XXXX XXXX XXXX for the amount of {$3500.00} XXXX XXXX. handle by XXXX XXXX XXXX by the amount of {$1100.00} XXXX handle by XXXX XXXX for the amount of {$5300.00} XXXX XXXX XXXX XXXX handle by XXXX  for the amount of {$3300.00}
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A month 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 or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX and XXXX several unauthorized transactions occurred on my account, and I didnt authorize. I received a notification for a purchase at XXXX groceries that I did not do. Immediately I notified American Express Serve stating that I was not that person making that transaction. So I check my account and notice that my balance have declined a lot subtracting {$6800.00} dollars from my account and those transactions that was made on my account was not of my doing. So I filed a declaration of fraud form and was denied my refund credits. Please look into this matter I am distributing all charges that was made without my consent. Thank You!
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AZ)

Credit card with Indigo seviced by XXXX and XXXX XXXX XXXX. I have only used the card 1 or 2 time and was under my balance at all times. I made payments on time and then was told to make a payment of {$170.00}. I told them I could not make that type of payment but would set up a plan to pay {$50.00} on the XXXX of each month and on the XXXX of each month. I made these payments direct withdrawal. My problem has been because I could not make the XXXX they have continued to charge me a late fee every month for the last 6 months and have reported to my credit card rating which has taken my score to the depths. They have collected interest on this amount as well as one of the {$50.00} payments XXXX goes to late fees. I want to get out from under them but they way it is going it seems to be an impossible task.I am a XXXX year old woman on a fixed income and have always keep my payments current. This company makes it almost impossible. Any help would be greatly appreciated. Thank you so much XXXX XXXX . The Indigo cards last 4 numbers are XXXX and my email address is XXXX. phone # XXXX.
Consumer complaint received 2024-04-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (LA)

The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted.
Consumer complaint received 2023-08-04
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. (CA)

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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

I currently have a Best Buy store credit card issued by CITI account ending in XXXX THis card has been upgraded per below I received an email today from CITI as follows : Best Buy Credit Services Best Buy Credit Services Security Zone : XXXX XXXX Online Activity Confirmation DEAR XXXX XXXX, This email confirms the following action completed at Account Online for your My Best Buy Visa Card account ending in XXXX. See detail ( s ) below : New Account Added to Account Online User ID : An additional account was added to your Account Online User ID : XXXX and is now available when you sign-on. 

Quality service and the security of your account are of great importance to us. If any of the above information is inaccurate, please contact us immediately at XXXX ( TTY : We accept XXXX or other XXXX XXXX ). 

Please visit us anytime at XXXX to review your recent account activity or update your account information. 

We appreciate the opportunity to serve you. 

Sincerely, Customer Service Note : If you performed multiple activities at Account Online within the past 48 hours, you may receive separate confirmation emails. 

My Best Buy Card was a Store card and CITI converted the store card to a XXXX  card without my consent and moved my small balance to the XXXX  card. 
When i called customer service and told them i did not authorize this change they told me it was to late to cancel. They also told me that I was one of the select few customers to receive an automatic upgrade to a XXXX  card from my store card. 
When I told them I do not want the XXXX  card, they told me i would have to pay off the balance and close the account. 

They also told me that i received a previous email about upgrading and since i did not respond to the email they upgraded me automatically. I do not recall any such email but I do delete what looks like junk or suspicious emails from my email box regularly.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

My home was damaged by XXXX XXXX. Insurance company issued money to fix home in the amount of XXXX. The contractor has submitted invoices, release of lean, also had inspection done to get portion of work that has been completed for payment. So, far XXXX, XXXX of work has been completed. They have only released XXXX and has not released any more money. I have been in a hotel since XX/XX/2023. The contractor can not complete any more work without getting more money for supplies and to pay vendors who have completed their work. I have called over 32 times and have submitted every piece of documentation they requested. They do not give you the option to talk to upper management.
Consumer complaint received 2023-09-25
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CO)

My loan servicer, MOHELA, notified me on XX/XX/ that my student loans were forgiven as part of the IDR one-time account adjustment. I also received a copy of my Loan Verification from MOHELA as part of their notification. MOHELA stated in the notification letter that they already notified or would notify all national credit bureaus of my student loan forgiveness by the end of XXXX, and that they would process a refund for any payments made towards my loans after the effective date of their forgiveness. 

MOHELA did not notify all three national credit bureaus of my student loan forgiveness until after I filed disputes on my credit reports on XX/XX/. I still have not received a refund for my overpayments and MOHELA has not made any attempt to contact me since I received their notification. 

MOHELA also makes it practically impossible to contact them. They do not provide an email address to contact them at. Their internal secure messaging portal does not give an option to send a message about IDR account adjustment refunds nor does it give an option to send a message about something other than their predefined choices. Their wait-times for phone calls are 1-2 hours or more, and their website explicitly states that their customer service representatives have no further information to provide related to forgiveness from IDR account adjustments. 

On top of this, MOHELA updated my loans current principal balance in my customer account and with all three national credit bureaus to {$0.00} even though their XXXX XXXX stated the current principal balance was - {$4600.00}, which is the amount I overpaid.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

THIS ACCOUNT ARE FROM IDENTITY THEFT. I DID MY POLICE REPORT WHEN I NOTICE THIS ERRONEOS INFORMATION IN MY REPORT. I NEVER LIVE IN XXXX i never open XXXXXXXX XXXX or XXXX. 

XXXX XXXX {$2200.00} XX/XX/2021 Account Number : XXXX XXXX {$10000.00} XX/XX/2021 Account Number : XXXX address i never lived in XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has closed my checking/savings accounts due to suspicious activity on the account when it was opened. I was a victim of an " Advance-fee scam. '' A type of scam where the fraudsters call up the victim promising them money, they send you a partial stating, '' you must return the money sent to your account back to them via XXXX XXXX or XXXX. '' I thought the deal was legal until I was scammed and taken for almost {$1200.00} dollars. I was scammed and because of it I do not have a membership with the Credit Union disallowing me to have Checking/savings accounts, credit cards, or home or vehicle loans. I am willing to do legally whatever it takes to have my name back in the good graces of the credit union, to be considered for accounts and loan products again.
Consumer complaint received 2023-08-31
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received an American Express gift card from my employer. Im unable to use to anywhere online or in person. It keeps declining. I have checked the balance and attempted to use it for half the cards value. No luck. I called AMEX and their response was use the physical card or try a different merchant. I tried both but it still keeps declining.