davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in blatant violation of Federal Law. In their responses to my dispute letters, they claimed to have verified the items as accurate but failed to provide copies of the documents used for verification, as I explicitly requested.

Their failure to provide these documents clearly indicates that they can not and did not verify any of the disputed accounts as claimed. Moreover, their refusal to delete the disputed accounts they can not verify, even after two written requests, demonstrates a willful disregard for Federal Law.
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). IC SYSTEM is reporting this false information on my consumer report without verifying it first which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number. Additionally, I demand that they answer my dispute line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.
Consumer complaint received 2023-09-15
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. (NJ)

XXXX XXXX XXXX XXXX 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CO)

My bank accounts information got hacked and the people who stole my credit card information, spend total around XXXX using my credit card since XXXX. The people also hacked my checking and savings account, and used my money to pay off all the credit card transactions that wasnt made by me.The people are very sneaky and set up my credit card as auto pay, so every time when I log into my online banking, the credit card balance always shows as XXXX. Because he only hacked my bank account information, and I still physically have the card, so with the balance XXXX and barely using the card, I never thought my bank information got stolen. I filed a fraud claim after I found out my bank ( Wells Fargo ) information got stolen, but they have rejected my claim and insist since I already paid off all the purchases that was made by someone else within the credit card, so they are not refunded any money back. I communicate with them serval time and even filed a police report, indicating that is wasnt me paying off my credit card, is the people also stolen my check and saving to pay off the credit card. My bank still wont be able to help me, and even dont inform me the final decision. I have to reach out to them and keep calling them in order to get a status. I really wish CFPB can help me, since XXXX is not a small amount for our family. Thank you.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MD)

XXXX XXXX XXXX had my loan. They became XXXX XXXX XXXX. All of the customer service numbers no longer work and Nationstar Morgage aka Mr. Cooper seems to be involved but it is impossible to reach then either. Their website is non-functioning.
Consumer complaint received 2023-08-25
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

In XX/XX/XXXX, I filed a CFPB complaint against Capital One ( CFPB # XXXX ). They refused to return my deposits ( {$130.00} ) from XXXX despite providing them with evidence, which included XXXX 's own policy of temporarily withholding {$50.00} on the credit card for XXXX week that would be returned to me ( attached ... .again ). 
They sent you - CFPB - a copy of a letter addressed to me ( attached ), stating : " On XX/XX/XXXX, we issued a goodwill credit of {$130.00} to your account ''. In which you XXXX- closed the case. 
However, no credit was extended to me at all. When I called today ( XX/XX/XXXX ), I got same old song and dance that prompted the original complaint : they took XXXX 's side. I asked Capital One to provide me information XXXX had provided them that disputed my claim. They can not do so because they don't have it. They have the same REFUND POLICY from XXXX that I have. So essentially, Capital One lied so that the original case could be closed.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (IL)

I started a application with XXXXXXXX XXXX XXXXXXXX XXXX on XXXX XXXX for a piece of jewelry but i never picked it up. I noticed I kept getting emails about a lease and missing payments through acima and I called acima to figure out why I got those emails because I thought due to never picking up the piece of jewelry they would just cancel out the application. Acima said theyll start up a case and report it as missing Since I made a claim that I didnt get it. I then went to the jewelry store to get more information about the issue and they told me that after 3 months everything goes to corporate and when he pulled up the information that matches my lease it shows I dont owe anything and that youll loaned me {$400.00}. The manager stated the owed balance came from interest from the {$400.00}. He also stated to get a fake piece of jewelry and tell acima that I have the jewelry I couldnt afford it they can have it back and if they need to call him to confirm the jewelry they could. I said no because I never picked it up.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (IL)

Date of transaction was XXXX XX/XX/2023 @ XXXX check was deleievered to Ally. Check was Reconciled on XXXX XX/XX/2023 by Ally. The XXXX XXXX XXXX XXXX XXXX sent them a check for {$54000.00} u.s.c to pay off my loan XXXX Ally since I refianced my vehicle through my XXXX XXXX XXXX XXXXXXXX. I been banking with the XXXX XXXX XXXX XXXX union for over 10 years. The XXXX XXXX XXXX XXXX XXXX has also been helping me ( XXXX XXXX and XXXX ). The Nature of this disput was that the check was returned for no reasoning and that me ( XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX did not recieve this check back. Ally also stated that they dont know where the check went back to or were it went. The bussiness has not helped or not tried to resolve the problem. This bussiness ( Ally ) sent me a letter to my parents residence stating that the vehicle was paid off and congratuatlations. Now to this date. The credit union send two check were ally stated they were reversed back and sent back with XXXX XXXX or the Credit Union not recieving the second check back. Everytime We call Ally, We got the run around and talk to atleast 7 people getting transferred to either customer service, collections and back to customer service. This bussiness has not helped and ruined my credit for telling me my vehicle has been paid off and reverse the transaction and now been 109 days since i made my last payment through them. I currently have two loan Now on 1 vehicle which i Shouldnt be doing. Ally now is trying to hit me with late fees and charges for something they should be responsable for. Tracking number for this chexk is through XXXX and is XXXX and the check was delievered on XXXX XX/XX/2023 at XXXX and was reconciled on XXXX XXXX XXXX status also shows reconcile which ill provide photos. No ad was not advertising. This is currently effecting my credit aince I been paying my new loan for the vehicle. Ally is totally at fault for this and is trying to have me pay fees I should have to since they never notified me about my checks
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Delete XXXX XXXX  Bankruptcy Court in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  BANKRUPTCY COURT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A credit of XXXX was added to my account for a theft of a money order I purchased then the XXXX was taking back because XXXX XXXX was going to pay me for the money order so my account was in the negative for XXXX I still have yet to receive any thing from XXXX XXXX but I started paying the XXXX negative balance back slowly but my account was negative for months I recently started working and proceeded to pay off the balance and had my checks direct deposited now my account is frozen they have my money in the account I have to wait 5 to 7 business days for the account to close for them to send my money on a check but no one contacted me to say they were closing the account try to collect a debt on the account nothing so my money is stuck in the account mean while my car in the shop bills due this has caused me to lose my job my car and next my house I really need my money I don't have the luxury to wait 5 to 7 business days for them to mail a check out and then who knows how long it will take the check to get here in the mail I've been banking with bank of America since 2017 I don't no one to go through this please do not bank with them they dont care about thier customers please help me get my money from them please
Consumer complaint received 2023-08-25
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)

Thank you for your recent letter. Im very confused by the response. It seems to me that this is a stall tactic to not do what is required within FCRA laws. This is my 3rd attempt to get your company to do the right thing & comply with FCRA. Please review the documentation Im including as it is exactly what is required by law. If you continue to kick the can down the road I will have to move this matter into the courts. Lets not let that happen as Im sure the costs you would incur would be very expensive & this matter is very simple. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Revolut Technologies Inc. (NY)

Revolut ref : XXXX CFPB ref : XXXX After months and months of trying to clear my name regarding the fraud on my account, Revolut finally fixed the transactions on my account. However, you have still not reinstated my account? 

On XX/XX/XXXX, you said : " Revolut appreciates the Customers situation and their patience while this matter continues to be reviewed. Revolut is obliged to follow internal guidelines and due diligence checks that may result with the account of a customer being inaccessible. Revolut will send the Customer a communication as to whether their account privileges will be fully restored once a determination has been made. '' '' I'm still waiting for this. Why is it taking so long? How much patience do you need from me? It has been nearly a year and a half since the initial fraud and you still have not fixed everything. 

It seems I am not the only one struggling with dealing with your customer service XXXX XXXX XXXX XXXX XXXX XXXX You should hire me to run your whole customer service operation : XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

Im not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency trying to collect and report to my credit. I did not sign any paperwork with this collection agency stating that i will pay them or owe them any money. I do not have a contract with Hunter Warfield and they did not provide me with the original contract as requested.