davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (CO)

Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX  ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Department of Justice CC : Federal Trade Commission
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-20
Product: Credit card or prepaid 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 (NY)

In XX/XX/XXXX, I noticed 10 cash advance charges on my Capital One Mastercard ending in XXXX from a merchant, XXXX/XXXX between XX/XX/XXXX-XX/XX/XXXX. I immediately contacted Capital One to report fraudulent activity. My card was deactivated, and a new card, ending in XXXX was issued. and immediately destroyed upon receipt. It took numerous phone calls, and finally at the end of XX/XX/XXXX, I spoke with someone who followed through, and credited my account for charges, interest, and associated fees. When I received my bill for XX/XX/XXXX-XX/XX/XXXX, there were 5 additional charges, again from XXXX/XXXX. Again, I contacted Capital One to report fraud, the card ending in I declined receiving an additional card due to the problems associated with the fraudulent charges as well as the shady customer service I had received. The charges were credited back to me. On XX/XX/XXXX I received notification that the last 5 charges were charged back to my account. After speaking with the individual managing my account, I received no further response to numerous messages left on her voicemail. On XX/XX/XXXX, I again contacted Capital One, spoke to a representative who assured me I would hear back within 72 hours and receive correspondence confirming my complaint. As of XX/XX/XXXX, I have nothing. On XX/XX/XXXX, I again called the fraud department, and apparently everyone is now a manager, to no resolve. My bill still reflects the 5 transactions, cash advance fees, and interest charges. Capital One has a policy for fraudulent activity that they do not live up to. How could have charges been made when the card had been destroyed? Why would they not credit charges made at the same merchant the initial 10 charges had been made? I would like this resolved, and the have all of the charges, fees, and interest credited to this account so I can officially have nothing further to do with Capital One.
Consumer complaint received 2024-01-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC (LA)

Leafy Financial reported a {$6000.00} open collection account on my credit report without notifying me with a letter of dispute. I called them for a validation of debt of the original contract agreement with signatures, and a detailed ledger of how I owe {$6000.00} but refused to discuss or send information. I never dealt with this company. I will like for this to be removed from my credit report due to not following protocol before putting on my credit. I have 2 other companies to notify me about the same debt but different dollar amounts. Where and Who did this debt come from?
Consumer complaint received 2023-05-01
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2023-03-15
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: TD BANK US HOLDING COMPANY (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-08
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-02-22
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is second request for help the mortgage company Select Portfolio Servicing, all repairs to my home have been completed. The mortgage company has been holding the money in an escrow account. They refusing to pay the contractor the money from the escrow account. The contract is owed XXXX from they which is in the escrow account.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

On Friday, XX/XX/2022, I received a called from XXXX XXXX XXXX requesting a check verification. I logged into our bank account as the check was out of our normal sequence. Once logged in, I noticed the check was altered and not written to any name that I recognized. The credit union was able to place a hold on that account. We notified Chase and Chase was able to reverse the check. I also entered into the Chase system 4 checks that were stolen from a blue box at the post office, to ensure that these checks would be flagged if they were cashed. Shortly after on XX/XX/2022, I noticed 4 more fraudulent checks attempted to clear our account and on XX/XX/2022, 5 checks attempted to clear the account. I was able to stop these checks through positive pay. Fast Forward to XX/XX/2022, while going back through our account, I noticed a batch of checks that were duplicate check numbers that were fraudulently cashed against our account. I called Chase to add these checks to the first claim as these were missed. The first agent that I spoke with told me since it was later that these were found, I would have to fill out an affidavit and it could take up to a year for the funds to be reimbursed. I waiting for the paperwork and in the mean time I contacted our local banker. I tried tirelessly to find the original confirmation number for the first claim, but I was unable to find the note with the number. Chase claimed we they could not find a claim number. I sent in the police report, copies of the checks, and the affidavit but Chase quickly denied the claim due to the lapse in time. I have tried everything for Chase to work on getting our money back but run into a brick wall each time. The account should have been on alert as we entered a batch of checks as stolen, called in about a fraudulent check and also caught over 9 checks attempting to clear our account. Chase did nothing to stop the duplicate check numbers that did clear our account and offered no further help besides denying our request.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ZINC Financial, Inc., (AZ)

I purchased this vehicle in XXXX in XXXX I believe. Because I already had an active loan with this company but the car they gave me before broke down within 6 months to a year. And then I purchased the XXXX XXXX XXXX in XXXX of XXXX it was a trade in. I would say in XXXX of XXXX they told me they replaced my motor mounts because the car was vibrating pretty bad. In XXXX of XXXX I got my alignment done and the control arm and ball joint, from XXXX XXXX. In XXXX of XXXX I went in to get brakes done at XXXX XXXX XXXX, and they told me all my shocks are gone in the vehicle and they explained to me that it was wear and tear that was already on the vehicle. I recently went in to get my car serviced on XX/XX/XXXX, because its been giving off a very toxic strong smell. And I am concerned that the vehicle is giving off CO in the cabin. I was told that my motor mounts are blown and they are saying its XXXX to replace all 3. Steering and suspension control arm w/ball joints needs to be replaced and that cost XXXX and loaded struts assemblies need to be fixed as well and that came out to be XXXX. And these are all major peoples. And my active loan in XXXX. The blue book value on the vehicle is XXXX. I have stayed up on my maintenance as far as tires, oil changes etc. And I still have until XXXX to reach my maturity date, I just dont want this car to break down before I even pay it off.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CO)

Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXXXXXX XXXX ( Account Number # Unknown ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX CC : Department of Justice CC : Federal Trade Commission
Consumer complaint received 2024-01-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (NY)

I'm in process of applying for mortgage and a co-op purchase, and the mortgage lender and the co-op board have requested a copy of a financial statement for my CD account at BMO Bank N.A., as a part of my asset verification process. 

The statement was not readily available at the website, so I have contacted the customer service for some type of statement, verification of deposit, or any documentation that verifies my current balance and maturity date. However, BMO is unable to accommodate this simple request, so I can not make further progress on my mortgage/home purchase unless I close the account early and pay the early penalty so I can transfer the funds to another bank account where a statement can be readily produced. My mortgage lender says they should be able to provide some type of documentation, like even a quarterly statement, but BMO would refuse to provide this simple document.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

Im in the XXXX XXXX XXXX XXXX. My loans are with XXXX  and I just received a letter from Nelnet saying I owe an additional {$50000.00}. I only owe $ XXXX for my XXXX university loans, and those loans are being discharged. I do not owe {$120000.00} total for student loans. I have never received anything from Nelnet before regarding student loans. I never heard of Nelnet and I received a letter on XX/XX/24 from them regarding this. This is not correct. First, Im in the lawsuit, my loans are on forbearance and I dont have to pay anything but Nelnet is demanding money. 2nd, Nelnet is not my loan servicer. I called my loan servicer which is edfinancial and they confirmed that I only owe {$70000.00}. I called edfinancial today XX/XX/24. They dont know why Nelnet is saying I owe them. We both are clueless regarding this.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid 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. (NY)

I'm writing this complaint with the CFPB because of XXXX ' blatant refusal to rectify the issue. I purchased ( XXXX ) appliances from XXXX a side-by-side refrigerator ( {$1800.00} ), an over the the range microwave ( {$530.00} ) and a XXXX gas range ( {$940.00} ) ; via Citibank 's shop-your-way card with deferred billing Interest for 12 months. The delivery date was set for XX/XX/XXXX. However, XXXX reschedule the date for XX/XX/XXXX. XXXX delivered the refrigerator, microwave and attempted to deliver a range that I did not order. I refused that range. They would not give me a date when the correct range would be delivered, so I asked them to cancel the order for the range and refund the cost of the range to my card. To date, that request has not been fulfilled. Keep in mind that my first payment was due on XX/XX/XXXX before my delivery date of XX/XX/XXXX. I told XXXX I would make a payment on XX/XX/XXXX after I received my goods on XX/XX/XXXX. I made a payment of {$260.00} on XX/XX/XXXX and another payment on XX/XX/XXXX. To date XXXX has not deducted the price of the range and is adding accrued interest on the total amount of the ( XXXX ) appliances, not minus the range. I have not received any information regarding the billing dispute filed on XX/XX/XXXX. I am left with no recourse but to file a complaint for deceptive and non-transparent practices.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OH)

I requested a loan for XXXX $ I have paid XXXX $ I asked for the payoff, and they told me it was XXXX XXXX I have been paying on this and the payoff amount keeps going up instead of down, I can't afford to keep paying this, the amount I will owe is now XXXX $ I don't know what to do they are charging me 600 % interest that I can't afford. Please help advise me as to what I can do if anything. They are attached to my primary bank account.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OR)

Incorrect account information : XX/XX/24 As of today ; US Department of Education verified that the account below should be deleted, never late, closed. 

Innovis may still be reporting this account inaccurately. 

1. Account : US Dept of Education : XXXX being reported as late.
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (MO)

Self lender told me that I had to wait 14 calendar days to process the payout of my security deposit. It has been over 14 days and they still refuse to process the payout. 

This continues to be a recurring theme with self-lender and their inability to follow their own rules and protect the best interests of their customers... I have called several times, and at the time of this complaint, I was on the phone with self lender and have been on hold for over XXXX min just to be told that there is nothing they can do even though they have recorded lines and was told I could process my payout after said 14 days. 

They refuse to show documentation that I was told this. overall I have lost all confidence that this company will hold up their end of the deal unless legal action is taken.
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: Source Receivables Management LLC (FL)

To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
Consumer complaint received 2024-04-08
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. (AR)

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX  XXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX  XXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX  XXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX  XXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (VA)

I have not had any resolution with this company to prove these medical debts are mine-Now I have new debts being reported from XX/XX/XXXX-XX/XX/XXXX-new dates etc ... .I have always had insurance, so this is inaccurate information.

They have stated I received notification, but can not prove when, nor show me documentation.

I have NOT received anything of this nature and they have and several complaints of un fair practices reported.

I have contacted and found that Under the FDCPA-A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Debt collectors resurrect old debts in an attempt to make some money. With old debts, there's a good chance the collector doesn't have the original documents proving that you even owe. 
If this is the case I demand these unknown debts to be removed from my report and to no longer be contacted from this company for the amounts of {$620.00}, {$380.00}, {$780.00}. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX, XXXX are the 3 companies that keep showing up on my credit report.