davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIRST INTERSTATE BANCSYSTEM, INC. (KS)

On XX/XX/XXXX  a wire transfer was sent using the attached wire instructions. The account turned out to be a fraudulent XXXX account opened at First Interstate Bank. The wire transfer was for the amount {$140000.00} and was authorized under fraudulent pretenses. First Interstate Bank failed to verify the account holder 's business license, EIN or photo identification. Failure to do so resulted in the First Interstate Bank account holder receiving {$140000.00} fraudulently and subsequently moving the funds to continue with the fraudulent/deceptive business practices. First Interstate Bank is refusing to return the funds that they received on behalf of a fraudulent account holder.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Consumer complaint received 2024-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NJ)

I started paying my own escrow and provided all supporting documents to them in XX/XX/year>. By mistake Roundpoint Mortgage ( RPM ) took out insurance on my behalf without letting me know. while on other hand i had an insurance my own and provide RPM all documents as soon as I took insurance. On top of it, RPM talked to my insurance agent in XXXX and communicated about whatever they wants in terms of documents. 
After the no correspondence from RPM and/or from XXXX. All were going well. 
Suddenly I got an invoice for may on XX/XX/XXXX regarding escrow shortage. I called almost every day tring to find out what was that about. I come to know that Customer service ( CS ) of RPM said that they made mistake and they will revere it once they get money back from their insurance. This is not fair for me to wait for more than 20 days to resolve this issue. They are very irresponsible people and never provided any proper resonance. I am still waiting for them to resolve the issue. i do not appreciate for them to shuffling me between CS of RPM and insurance dept of the RPM. This Mortgage company has so many complains online. Some should take this matter very serious. Please
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 
To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. )
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

During the Pandemic, I received rental payments from the XXXX XXXX XXXX. Due to the volume of applicants, the payments were sometimes untimely to the landlord, but eventually were paid. 

During a short window as the laws were constantly changing, the landlord sent an eviction notice ( although illegal ), and I subsequently ended up with a court date where I was given to the option to pay rent into the XXXX XXXX XXXX while the eviction was put on hold pending payments from the XXXX XXXX XXXX. I made payments into the XXXX 's XXXX ( see attached ), until I vacated the apartment XX/XX/XXXX. 

I.Q. Data International , Inc. added a Collection Account to the Consumer Reporting Agencies unbeknownst to me on or around XX/XX/XXXX for {$18000.00}. My monthly rent was {$1600.00}, and during the court appearance mentioned above the amount due at the time, was one month 's rent of {$1600.00}. When I vacated the apartment in XX/XX/XXXX, there was no balance due. 

I.Q. Data International continues to report this erroneous information to the Consumer Reporting Agencies as does XXXX although I've submitted the receipts and court documents to their attention. 

In addition, XXXX added a Comment to my Consumer Report that reads, I.Q. 's Reporting Meets FCRA Guidelines. I've asked them to remove that comment because it's not true and they will not remove it. 

Please see attached documents.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I opened this account with XXXX to fix my daughter 's car and tried to take advantage of the interest free they offered for a XXXX  months period. 
I was on time on my payments except XXXX time when XXXX did not post the payment and charged me the interest, which reluctantly I paid. I asked for the payoff amount on XX/XX/2024, paid it off and I closed the account out of frustration... 

But they kept charging late fees on I don't know what. The account is closed and I did not charge anything since. 

Here are the payments I made ( not sure why they did not include the interest thy unlawfully collected ) : XXXX from Account {$82.00} XXXX from XXXX 's checking {$1700.00} This was the XXXX I asked for and I paid in full and closed the account. 
XXXX from XXXX 's checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX XXXX checking {$150.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's checking {$100.00} XXXX from XXXX 's XXXX {$70.00} XXXX kept sending them messages on their website XXXX the payoff initiated, but they kept sending generic responses XXXX I called them twice, was connected to a foreign individuals with a heavy accent that we could not understand each others... I got nowhere. 

I appreciate your help on the matter. 

Thank you, XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

The following account is inaccurate and are in clear violation of my privacy. This is embarrassing and damaging to my reputation as a consumer. As the consumer I deman the following account to be DELETED FROM my credit report immediately I DID NOT GIVE ANY WRITTEN INSTRUCTIONS to have this accpunt on my consumer report. 
A consumer has the right to privacy They are in violation of my rights.
Consumer complaint received 2024-02-26
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. (MO)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (MD)

I am writing to formally complain about inaccuracies and apparent non-compliance with U.S. Federal Law by NCB, Signal, and XXXX in their credit reporting activities. Based on my understanding, there seem to be multiple violations that undermine the integrity of my consumer report and my rights as a consumer. 

Firstly, it is my belief that the inclusion of certain transactional information between myself and the aforementioned parties in my consumer report contravenes 15 U.S.C. 1681a ( 2 ) ( a ) ( i ), which explicitly excludes information solely pertaining to transactions or experiences from the domain of consumer reporting. 

Furthermore, the furnishing of any data to consumer reporting agencies such as XXXX, XXXX, and XXXX, when the furnisher has reasonable cause to believe that the information is inaccurate, is in direct violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Given that both NCB and XXXX have reported what is now a XXXX debt essentially recognized as a certificate of indebtedness or, according to IRS guidelines, potentially income rather than debt this practice is inherently inaccurate and thus prohibited. 

The failure of NCB and XXXX to issue a 1099-C form for the canceled debt further exacerbates the issue, diverging from IRS mandates for debts exceeding {$600.00}. This discrepancy illustrates a clear oversight in their reporting obligations, raising concerns about the accurate representation of my financial standing. 
Additionally, the sharing of my information with non-affiliated consumer reporting agencies contravenes the terms and conditions of my agreements with XXXX XXXX and XXXX, which assert a commitment not to disclose my details to non-affiliates. It is worth noting that the Consumer Financial Protection Bureau ( CFPB ), which does not furnish consumer reports, is the only true credit bureau as defined by federal law. 

In light of these issues, I hereby revoke any authorization, whether written, non-written, verbal, or non-verbal, for the use of my information as per the Privacy Act of 1974 ( 5 U.S.C. 552a ) and opt out of such authorization under the Fair Credit Reporting Act ( 15 U.S.C. 6802 ). 

Given the inaccuracies notified and their continued presence on my credit report after my initial dispute, it is evident that NCB, XXXX, and XXXX have failed to adhere to their duties under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), specifically the prohibition against reporting inaccurate information after receiving notice from the consumer. 
Lastly, in accordance with Regulation Z ( XXXX Treatment of credit balances ; account termination ), I request the refund of any remaining balance from my consumer account upon its closure. 

This letter serves as a seven-day notice for the resolution of these matters, including the correction of inaccuracies on my credit report and the refund of any due balance to me.
Consumer complaint received 2024-05-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (TX)

I applied for a loan ( {$12000.00} ) on XX/XX/year> through Goodleap , LLC, a California lending company for ductwork to be replaced in my attic. XXXX funded the XXXX XXXX, XXXX, the XXXX company even though the XXXX company did not complete the work. I had to pay another XXXX  company {$1200.00} to complete the job which XXXX XXXX did not complete. I am out an additional {$1200.00}. Goodleap refuses to reimburse me the {$1200.00} I paid out to the second XXXX  company,
Consumer complaint received 2023-09-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

SUMMARY : Capital One has not provided me with information on a fraudulent account, as required by the Fair Credit Reporting Act, after almost two months and numerous letters and calls. 

In XXXX, I discovered through pulling my XXXX XXXX consumer report that a fraudulent bank account ( either checking or savings ) had been opened using my name and Social Security number at Capital One. The account had already been closed, but was appearing on my banking history report. 

On XX/XX/2023, I sent a letter to Capital One via certified mail requesting information on the account, written confirmation that it was closed, and written assurance that I was not responsible for the account. My FTC identity theft report and my XXXX file disclosure were enclosed in that letter. 

Hearing nothing, I followed up on XX/XX/2023 via telephone. The representative informed me that the documents were received, but were not eligible to be processed because, as she informed me, Capital One does not accept documents by mail. This surprised me. She said that I could re-submit my request via fax only, and must also include copies of two forms of identification. She also cautioned that Capital One reserved the right to deny my request and require a subpoena from a court in order for me to receive these documents. This also surprised me ; I thought that the Fair Credit Reporting Act required companies to provide information to victims of fraud. Nonetheless, I submitted the requested information via fax later that same day, XX/XX/XXXX. 

Still hearing nothing, I followed up again on XX/XX/XXXX via phone and asked about the status of my request. The customer service agent was unable to provide me with the status, and said that my request would be re-submitted and that I would receive a letter in 10 business days. 

I have still not received the letter, and this is now far past the 30 day window for the company to complete an investigation, and I have not received the requested documents.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC (NJ)

Received a debt collection letter ( with no amounts ) dated XX/XX/XXXX from law office of Protas , Spivok & Collins , LLC, about some kind of judgement against me, with regards to " XXXX XXXX XXXX ''. I have no knowledge of this debt and I believe this firm is fraudulently trying to collect monies from consumers possibly with the same name. In other words, possibly having the same name, but wrong party. The letter has threatened further action including garnishment. 
As mentioned I have no knowledge of what this case is about and have not had any dealings with the XXXX XXXX XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights. 
15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report. 
FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading. 
15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance. 
18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared. 

And several other violations, which I have detailed in the attached document. 

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded. 

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Consumer complaint received 2024-05-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (CA)

On XX/XX/year>, I tried to use my Direct Express card to pay for groceries. I was denied a total of three times. I went to an ATM inside the store, I was told that my PIN number was wrong. I went to the Direct Express website my PIN was rejected again. When I tried to change my PIN with the Forgot PIN link, after submitting the card number, I was told that my card number didn't exist. I was able to get in to the Direct Express website and change my PIN, and went and withdrew a large portion of my money to pay my bills. On XX/XX/year> I called the Direct Express phone number to check balance and was told again that my PIN was wrong. To get into the website to notify Direct Express that my account has been compromised the correct PIN has to be put in. There are no alternative phone numbers or any other means to notify Direct Express. I was finally able to get into my account by using the Treasury Department 's website, and change my PIN. I called Direct 's phone number and found that my balance is {$1.00}. If my spending history is looked at I've never spent my check that recklessly at the start of the month, I usually have monies leftover. The inability to notify anyone for 9 days is harmful. I still have not been able to get printout or even see my transactions for the month so I can contest them.
Consumer complaint received 2024-05-13
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: LEXISNEXIS (GA)

Lexis nexis was not authorized to place a bankruptcy on my report. The bankruptcy court does not report to the credit bureaus. Lexis nexis is in violation under the FCRA and FDCPA.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (CA)

I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. Chime opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.