davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

Due to identity theft I am disputing these inquiries on my XXXX credit report that I didnt not authorize for my credit to be ran. 

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
Consumer complaint received 2023-04-12
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. (GA)

I've found that my credit report has erroneous information for the third time 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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile. 

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
Consumer complaint received 2024-05-03
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: LEXISNEXIS (NC)

Notice to trustees This account is held in a pure irrevocable XX/XX/XXXXtrust under XX/XX/XXXXXXXX and the exclusive rules of equity. 

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of ( a ) Accuracy and fairness of credit reporting You purpose ( b ) Reasonable procedures You must give me equitable relief Identified by the ACCOUNT NUMBER the res and the beneficiary and the settlor were to be declared PRINCIPAL and the purpose was to settle any and all claims for and against the beneficiary then to have the trustees to return the res to the beneficiary. 

claiming the ACCOUNT and all accounts and cases associated as trust res to settle any and all claims against beneficiary to have trustees return res to beneficiary the state of intent is the same as the purpose to settle all claims. 

I hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

I accept as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances for the benefit of Grantor/Settlor/Beneficiary
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-04-27
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I owed Champion Mortgage {$910.00} for forced flood insurance. XXXX/XXXX/16 was told I owed {$1600.00} for taxes and insurance. I had paid taxes XXXX/XXXX/16 for {$760.00} and sent receipt of paid taxes. I sent a Official check for {$910.00} on XXXX/XXXX/16, which is the balance of what they say I owed minus the taxes. Copy of check attached. The loan details show receipt of Official check on XXXX/XXXX/16. Also attached are XXXX letters, the first dated XXXX/XXXX/16 stating we owed {$980.00} and have until XXXX/XXXX/16 to make current. And the second letter one day later,XX/XX/2016 stating we owed the {$1600.00} and had until XXXX/XXXX/16 to pay. ( this amount is the insurance and taxes they claim they paid I have the paid receipt and they will not produce theirs. ) On XXXX loan notes show " Advised client to return official check for {$910.00} because it was not the full amount. The loan notes show that on XXXX/XXXX/16 file was sent to Lawyers XXXX XXXX XXXX for Foreclosure Processing. The XXXX letters attached prove I had until XXXX to pay which I did XXXX XXXX. I was not in default when they started the Foreclosure. They refuse to produce their receipt for the taxes they state they paid. Second complaint -- after seeing I was n't going to go away, I purchased {$120000.00} in flood insurance XXXX/XXXX/16 as the new requirement. Immediately after receiving the new coverage they first told me I needed they sent a GAP letter stating I needed {$250000.00}. This GAP in coverage is what started this Foreclosure process. See attached letter. The condo association covers {$120000.00} on each unit and I have my personal for {$120000.00}. The condo is not even close to being worth XXXX I have no idea where they came up with that figure. I believe it is a ploy to continue harassing an XXXX woman in hopes they can keep throwing hoops to jump threw and I 'll get tired.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XX/XX/2023 there were XXXX fraudulent purchases made on my account in the amount of {$210.00} ( each ). Upon reporting the fraudulent purchases, Citi canceled my existing credit card and issued a new one. They also started a dispute investigation and credited my card for the disputed charges. 

On XX/XX/2023 I received a noticed about an update to my dispute. In the Noticed and Letters section of the web portal, there is a billing dispute updated dates XX/XX/2023 stating that one of the charges had been reversed due to proof offered by the merchant that the charge was not fraudulent. 

The proof offered by the merchant clearly includes invoices and confirmation notices that state another person made these fraudulent purchases ( " XXXX XXXX '' ). Despite this clear evidence of fraud, Citi accepted the merchant 's claim that the fraudulent purchases were legitimate. 

I called soon after receiving the XX/XX/2023 notice about the reversed charge. The representative at the Citi fraud operations department assured me that they would continue the investigation. They also told me that I would not need to pay the charge that was currently being disputed. 

I called again on XX/XX/2023 for an update. The representative ( XXXX ) at the Citi fraud operations department had no update, but stated the investigation was ongoing. She stated that there would be a resolution within 90 days of the initial fraudulent claim ( she stated this occurred on XX/XX/2023 ). 

When I asked about disputed charge payment and interest and late fee charges, XXXX informed me that they would credit me all interest and late fees for payments not made against disputed charges once the disputed charge was resolved. 

XXXX refused to put this statement into writing either in the form of a mailed letter or in an electronic letter submitted through their secure web portal. As a result, I am left simply hoping or trusting that not only can they appropriately resolve the dispute within the next 2 weeks ( which seems doubtful as they did not properly review the initial evidence provided by the merchant that shows a stranger 's name on the purchase invoice ), but that they will also reverse any late fees or interest charges based on an oral conversation only. 

I do not want to just trust that Citi will adhere to the word of a service representative on the phone, and I have no hard evidence that this guarantee was made to me. A statement in writing would be appropriate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NH)

Spoke to an individual by the name of XXXX, I believe his name was who was investigating unauthorized charges on my checking account, today XX/XX/XXXX from Wells Fargo Bank. Refused to give me his last name, told me it will be on the e-mail he sends me which he has not. 

I opened an investigation regarding unauthorized charges on my account from " Changed Gold Coins '' XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$400.00} XXXX {$200.00} XX/XX/ {$300.00} XXXX {$300.00} XX/XX/ {$300.00} XX/XX/ {$300.00XXXX XXXX {$500.00} XX/XX/ {$300.00} XX/XX/ {$300.00} Totaling {$5900.00} in unauthorized charges. 

After speaking to XXXX today, he told me there were more similar transactions on my account that I was unaware of and because they sent verification authorizations to my e-mail address ( which was hacked ) and phone which I switched providers on last week because of ongoing issues, that he is deeming these as valid transactions. He asked me if I tried to reach out to the merchant I told him no because there is no phone number and I have no idea who they are. I asked him what the merchant said when he contacted them regarding this claim he told me he didn't even bother to try and contact them. 

This is extremely unprofessional and a a blatant refusal to try and help me with this issue. This claim needs to be taken seriously and something needs to be done to help with it. I don't care if they are claiming someone provided authorization via e-mail and/or phone for these charges, it was not be and I expect my account to be handled accordingly.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Yes this company could not provide verification of debt. They have me settled for deletion and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Here is a list of inaccuracies that were claimed verified.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (NV)

I was contacted by Rapid Cash via a phone call asking for my social security number. I have never opened an account or received a loan through Rapid Cash. 

A month after the phone call, I received a letter stating that I have an account # with R.C. And have a past due amount of {$1100.00}. The letter asked me to pay within 30 days and provided a payment stub and envelope. 

I dispute their claim. I have never used Rapid Cash or received a loan through their company.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (IL)

XXXX XXXX Account # XXXX On XX/XX/XXXX, I purchased a money order in the amount of {$270.00} and mailed it at the local post office for a bill payment due on XX/XX/XXXX. I have been informed that that payment was not received. XXXX XXXX has verified that the money order has not been cashed which indicates that it was lost by FNBO considering I have not received any returned mail to sender. Upon contacting XXXX XXXX, it seems that the only option available is to request a refund which requires a {$15.00} non-refundable fee and can take 30 days for processing. As a senior with a XXXX on a fixed income, the lost money order has posed a significant financial hardship on me at this time. Not only is FNBO requiring both XXXX and XXXX payments at once, there has also been a late fee imposed on the account. These payments and fees totals to nearly {$600.00} which I can not afford given my circumstances. If I do not make the payment, I am at risk of a negative reporting to my credit profile despite having mailed my payment in ahead of the due date.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 2288984 Ontario Inc. (TX)

I am writing to formally dispute a Payday loan collection entry that appears on my credit report, specifically related to an account attributed to MoneyKey. I am not familiar with this debt, and I have never taken out a loan from MoneyKey. To the best of my knowledge, this entry is inaccurate, and I request its immediate removal from my credit report. 

Upon reviewing my credit report, I observed an entry from a collections agency indicating a Payday loan debt with MoneyKey. The reported amount and the alleged occurrence date are from the year 2021. However, I have not received any documentation or notice from MoneyKey regarding this loan. The lack of communication from the alleged original lender is concerning, as I have not been given the opportunity to address or verify the legitimacy of this debt. 

I have taken all necessary precautions to safeguard my personal information, and the appearance of this debt is both unexpected and unwarranted.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

COLUMBIA DEBT RECOVER LLC DBA GENESIS contacted me about an account that I never own charging me the amount of {$2400.00} from an ORIGINAL CREDITOR named XXXX XXXX, I disputed the account placed on my credit on XX/XX/XXXX of this year XXXX and the collection company is asking me for a series of documents including this complaint and now I'm getting the documents to sent everything to them. 
its important to add to this complaint that I have been living in XXXX since XXXX and I was living in XXXX before