davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
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: AMERICAN EXPRESS COMPANY (NC)

American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX : Claim Notice Discrepancy in Billing Address ACCOUNTS- XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX Dear American Express XXXX XXXX I am writing to address a discrepancy regarding the name on the billing address associated with my American Express account XXXX As per the terms and conditions outlined in our agreement, I am hereby providing you with a claim notice to rectify this matter. 
Claim Description : Upon reviewing my billing statement, I noticed that the name on the billing address differs from the account name, which is represented in all capital letters. This inconsistency raises concerns regarding the accuracy and integrity of my account information. 
Specific Relief Demanded : * Immediate correction of the billing address to reflect the accurate name associated with the account in all capital letters and the lowercase letter name.

* Assurance that future billing statements and correspondence name will accurately reflect the account and correspondence letters to prevent any confusion or discrepancies. 
Notice Information : * Name : XXXX XXXX XXXX human benefactor to XXXX XXXX ACCOUNT HOLDER. 
* Address : XXXX XXXX XXXX, XXXX XXXX, NC XXXX * Phone Number : XXXX * Last 4 of Account : XXXX I understand the importance of maintaining accurate account information for both parties involved. Therefore, I urge you to address this matter promptly to ensure the integrity of my account details. 
Please acknowledge receipt of this claim notice within [ 10 business days ] and confirm the corrective actions taken to rectify the billing address discrepancy.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXXEnclosure : Copy of Billing Statement Showing Discrepancy This claim notice will serve as a formal request for corrective action regarding the billing address discrepancy, and it provides clear instructions on the specific relief demanded.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (PA)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (VT)

you XXXX XXXX  closed my complaint without even using the correct information, let alone ALLOWING COMMUNICATION!!! I RECEIVED THE NOTICE I HAD A RESPONSE AND XXXX MINUTES LATER MY CASE IS CLOSED WITH NO RESOLUTION AND THE INCORRECT INFORMATION!! THIS IS XXXX AND I'M NOT GOING TO STAND FOR IT!!! 

THATS NOT EVEN THE CORRECT NOTICE!! TRY PAYING ATTENTION!! NOPE WE WILL RESPOND WITH EVEN MORE LIES AND MORE LIES JUST LIKE OUR ENTIRE COMPANY HAS BEEN PROVIDING FOR XXXX WHOLE MONTHS NOW!! HOW ABOUT PUTTING ME ON HOLD FOR ANOTHER HOUR AND A HALF, LIKE THR LAST XXXX TIMES I TRIED GETTING THIS RESOLVED!!! AND BESIDES THE FACT, CHECK YOUR CUSTOMER SERVICE AND YOUR PHONE CALLS SINCE I CALLED XXXX XXXX DIFFERENT TIMES AND WAS TOLD REPEATEDLY BY THE PEOPLE ON THE PHONE AND BY THE TELLERS AT THE BANK THAT I HAD, IN FACT, MET ALL OF MY REQUIREMENTS, I CALLED MULTIPLE TIMES IN XXXX And XXXX TO MAKE SURE!! SO M & T CONTINUES TO LIE AND MAKE UP XXXX TO TRY TO COVER THEIR LIES, AND NOW XXXX XXXX XXXX IS GOING TO COVER THEIR XXXX FOR THEM AND LIE TOO AND CLOSE A COMPLAINT BEFORE IT'S EVEN BEEN PROCESSED! SURPRISE SURPRISE, MORE LIES!!! I CLOSED MY ACCOUNT BECAUSE ALL OF YOUR PEOPLE LIED TO ME AND ASSURED ME I'D BE RECEIVING MY MONEY AND THEN DENIED ME A WEEK LATER!! HOW CONVENIENT You CLOSE THE ISSUE WITHOUT ME BEING ABLE TO RESPOND!! 

THEY DIDNT DO ANYTHING THEY DIDNT EVEN ANSWER THE CORRECT QUESTION OR USE THE CORRECT INFORMATION TO PROVIDE THEIR RESPONSE!! I HAD TO CLOSE MY ACCOUNT THERE BECAUSE THEIR EMPLOYEES ARE SO XXXX THEY CANT EVEN READ A XXXX FLYER THAT THEIR OWN COMPANY SENT OUT, LET ALONE PROPERLY ANSWER THE QUESTIONS OF THEIR MEMBERS!! THEIR OWN EMPLOYEES ASSURED ME ON over a XXXX  OCCASIONS THAT I HAD MET EACH AND EVERY REQUIREMENT AND THAT I ONLY HAD TO OPEN THE ONLINE ACCOUNT AND USE THE APP. CHECK YOUR CUSTOMER SERVICE RECORDS AND CHECK YOUR XXXX CAMERAS MAYBE BEFORE SENDING ME SOME XXXX XXXX EMAIL THAT HAS ABSOLUTELY NOTHING TO DO WITH ME OR MY CASE!!!!
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TradeStation Group, Inc. (CA)

On XX/XX/year>, I opened a Tradestation new account, submitted/applied the code for a {$150.00} account bonus, and I deposited {$500.00} in my Tradestation Equities Account and their requirement for my {$150.00} bonus. My money has been deposited since XX/XX/year> and the bank has failed and refused to pay my bonus of {$150.00}. They are engaging in bait and switch tactics to entice new customers to open new accounts and not pay the bonuses that are earned. Tradestation has been impossible to deal with and they refuse to honor the promotion.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed 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
Consumer complaint received 2023-08-07
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

This debt was paid with the original creditor, proof is attached and I am requesting immediate removal. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2023 Caine & Weiner Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( CAINE & WEINER ) has furnished ( 1 ) account on my report, account numbers ( None listed ), XXXX XXXX XXXX amount listed {$61.00}. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company ( CAINE & WEINER ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation XXXX, XXXX XXXX XXXX XXXX 1. Copy of Consumer Report
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (MO)

Well I got a loan in XXXX of XXXX for XXXX for my XXXX XXXX XXXX. I'm XXXX and had a part time job at XXXX XXXX XXXX XXXX. Made payments on time till covid hit. Got put on furlough then all the XXXXXXXX where let go for restructuring. I called and had to defer 4 payments which I was told would extend loan till XXXX was supposed to be paid off in XXXX of XXXX and was told XXXX would be paid off. Now there telling me that I'll have to pay an extra XXXX dollars more after XXXX payments and the extra 2 payments that I agreed too. I just don't know what to do I have been trying so hard to keep this XXXX together and waiting for XXXX to finally be free to put money into the XXXX I pay XXXX a month and just don't think it's fare to change what I was told. This was a national pandemic and I think it's unfair to charge that much. Is there anything I can do. Thank you for your time. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-31
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of identity theft. I had my information stolen by my siblings and abused my information repeatedly, burglarized my home 2 tines within 4 day 's, called me and made threats, I currently have a domestic violence protection order out to prevent further contact with me. However this has done nothing, I'm to the point where I legally want to change my name and ssn to protect myself. I even went as far as applying to be a police officer due to the fact that ssn will not help me right away. I have sprint bill, credit ( s ), cable, and collection 's in my name that I was not aware of. I want them removed if possible so I can Atleast function normally at work, I really don't feel safe or protected by anyone I seek help with. I get the run around and thousands of phone calls from debt collectors everyday 20 times a day.
Consumer complaint received 2023-06-20
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. (CA)

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

Account name : # XXXX, Accounts name : # 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 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the
Consumer complaint received 2024-07-12
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: General Motors Financial Company, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (TX)

XX/XX/XXXX Hello, My name is XXXX XXXX and I would like to file a formal complaint against Specialized Loan Servicing. Specialized Loan Servicing is now known as XXXX. I was behind on my loan with Specialized Loan Servicing ( account number XXXX ) due to XXXX. I applied for a Mortgage XXXX, and I was award the modification on XX/XX/XXXX. Under this modification, I had to put {$9.00}, XXXX down before the modification could become into effect. I worked with the Texas Homeowner Assistance Program who helped homeowners who were behind on the mortgage due to COVID. Texas Homeowner Assistance awarded me {$33.00}, 158.07. This money was sent directly to Specialized Loan Servicing. This was enough to pay off the loan, however, Specialized Loan Servicing stated that it was not enough to pay off the downpayment. They stated that that money went to attorney fees and that the Program should have called them first. They never stated if there were attorney fees owed. Because of the Specialized Loan Servicing action, I had to file for bankruptcy. This has caused me hardship and stress. I would like for Specialized Loan Servicing now know as XXXX to consider my loans paid in full ( account # XXXX & XXXX ). 
Please investigate their practices.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX and Experian credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. 
The FTC states Date of first delicacy ( DOFD ) are to be removed from your credit report within 7 years from XXXX. MO revised Statue collection dates has expired. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 

XXXX XXXX XXXX using the Date of Last activity XXXX XXXX when they were XXXX from my chapter XXXX ) to keep account on my credit report not Date of First Delinquency to remove it. 
This is causing XXXX harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX.
Consumer complaint received 2023-04-25
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. (FL)

Hello my name is XXXX XXXX and I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate negative information listed on my consumer report. As a consumer, I am protected by several laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ), which fall under Title XXXX of the United States Code. 

The FCRA requires that credit reporting agencies like your company provide accurate information to consumers and investigate any disputes related to the accuracy of the information contained in a consumer report. The XXXX further regulates the collection, reporting, and use of consumer credit information. 

After reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit score, including late payments, accounts in collections, and charged-off accounts that do not belong to me or have already been resolved. These inaccuracies violate the FCRA and the XXXX, which require that credit reporting agencies like your company provide accurate and complete information. 

Additionally, under XXXX XXXX of the FCRA, you are required to notify me when you provide negative information to a third party. However, I have not received any such notification from your company, which further violates my rights as a consumer under the FCRA. 

Moreover, the Electronic Fund Transfer Act ( XXXX ) and the Truth in Lending Act ( TILA ), both of which are contained in Title XXXX of the United States Code, provide additional protections to consumers. The XXXX requires that consumers receive accurate and complete information about electronic fund transfers, including any fees or limitations, while the XXXX requires lenders to provide accurate and clear information about the costs and terms of credit. 

Therefore, I am requesting that you immediately investigate and correct the inaccurate information listed on my credit report, provide me with a notice of negative information under Section 605B of the FCRA, and ensure compliance with all applicable laws, including the XXXX and TILA. Failure to do so may result in further legal action and complaints to the CFPB. 

Thank you for your attention to this matter.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.