davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (NY)

I was recently informed of negative information reported by XXXX XXXX XXXX included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXXXXXX XXXX XXXX validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (TN)

I was working for XXXX XXXX  out of XXXX Tennessee. I lost my Debit/pay card and called Money Network to cancel and asked what can I do? They told me there wasn't anything they could do but send me a check.

I should receive the check within 7 to 10 business days. It has been two years now and still no check.

I have made several calls with no help from them.

I had moved onto a house boat and have them different address to send the check. Still nothing.

They did send me an email after I lodged the first complaint with you and stated they had sent the check out XX/XX/2022. 
I replied that I had not received the check and asked what address was it sent to and had the check been cashed. Still no reply. 
Please help me resolve this matter, I desperately need the funds. 
Thank you for your attention and assistance in this matter and hope you can help me end this ordeal. 
Looking forward to hearing from you soon. 
XXXX XXXX
Consumer complaint received 2023-06-21
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. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (PA)

In the pandemic, wells fargo advised me not to pay my mortgage, because they were putting it in forbearance.When it was time to resume payments, they offered me mortgage assistance, {$830.00} XXXX. I paid on time and in full every month until one day they returned my check to me, saying they reneged on the mortgage assistance because they were missing a document. Since then, I have payed the full payment on time every month. {$940.00}, {$920.00} I am in receipt of an intent to foreclose letter XXXX XXXX, out of the blue. I have had many correspondences with them trying to get a payment reduction.I am the co-borrower. My estranged husband is the borrower and his whereabouts are unknown.Wells fargo repeatedly demanded his signatures and refused to acknowledge his warrants and disappearance.I am a XXXX XXXX XXXX XXXX XXXX and I live in my home with my XXXX  children, who are adult XXXX XXXX XXXX XXXXWells fargo has no grounds for foreclosure. I have complied with all their demands and I pay my mortgage.Thank you for your time to save our home. XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I set up payments with Ditech on or about XX/XX/XXXX for XXXX, XXXX, and XX/XX/XXXX. During the conversation the representative never told me my loan was transferring to another loan servicing company. I set up payments for XX/XX/XXXX - {$600.00}. XX/XX/XXXX - {$820.00} and XX/XX/XXXX - {$820.00}. The XXXX and XXXX payments have been processed. I received a letter from Ditech dated XX/XX/XXXX advising me the servicing of my Mortgage was being transferred effective XX/XX/XXXX, with my payment due XX/XX/XXXX. It further stated that Ditech would stop accepting payments received after XX/XX/XXXX. It said if I was currently participating in an automated payment plan with Ditech, my payment plan would be cancelled as part of the transfer of servicing to XXXX. This is not what happened in my case. Ditech processed a payment through my checking account on XX/XX/XXXX. 
After receiving the XX/XX/XXXX letter from Ditech I started researching to learn more regarding the transfer of servicing. XXXX XXXX  XXXX had a welcome to Ditech customers on their website. It said the transfer date would be XX/XX/XXXX. I am finding Ditech to continue with Deceptive trade practice. I requested a copy of my original paperwork before and never received it. My loan should have been paid off or close to be paid off but the practice is deceptive and as a customer I do not know where I am because they fail to be honest. My loan has gone from XXXX XXXX  to another servicer, to Ditech and now XXXX although Ditech just processed a payment. They are just taking money from me and saying I owe fees and not being honest. Please help this fraud to stop. I filed a complaint over and year ago and it was partially resolved and now this is happening gain. These are scandals to cause homes to be paid for over what they are worth and what was in the original contract. Ditech even changed my loan number a few months back. Their practice is deceptive and unfair. Ditech unlawfully deducted money from my account on XX/XX/XXXX according to the letter they sent dated XX/XX/XXXX. Please help.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose
Consumer complaint received 2023-09-06
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: Colony Brands, Inc. (FL)

I disputed information on my credit report regarding XXXX XXXX to XXXX, XXXX, and XXXX. XXXX is the only reporting agency that refuses to change and increase my credit score. 

XXXX was provided information and supporting documentation the same as XXXX and XXXX regarding this dispute. In the past I have had issues with XXXX tarnishing my credit report with their refusal to make change to certain consumers report. This is very unfair. I feel XXXX needs to be investigated for their unfair and biased practices. 

I truly feel that XXXX XXXX is using XXXX to unfairly push their unfair agenda to tarnish consumers credit scores and to push their unfair practices to violate consumers and the fair credit reporting act. As stated before, from past experiences XXXX is not receptive to consumers complaints and disputes. It is very rare that XXXX cooperate fairly with consumer dispute for fair resolution. This is very unfair to consumers
Consumer complaint received 2023-05-30
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. (NY)

Experian has once again reinserted accounts that have already been proven invalid and they are continuing to do so every other month. this has to stop!!! They are in constant violations of consumer law FCRA
Consumer complaint received 2023-09-06
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. (GA)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

TD XXXX SENT, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX and DEBIT CARD PURCHASE, XXXX, XXXX  XXXX XXXX XXXX XXXX * C 2022 I was scammed by XXXX XXXX who offered a credit repair service. First she was double paid because my XXXX said a XXXX didnt go through but instead it had a 24 hr hold. So I paid her through XXXX XXXX. Then when then I saw she was double paid I asked for one of the XXXX back and instead of sending {$450.00} back I was blocked on everything and she just took my bank I told my back they refused to give me my money back I thought thats why we banks with them they should issue both {$450.00} back or at least one because she didnt want to return the extra payment so didnt even provide the initial service. Can u please help me
Consumer complaint received 2022-12-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$400.00}
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Subject : Method of Verification Request for Disputed Account Dear Sir/Madam, I am writing to dispute the accuracy and validity of an account listed on my credit report. According to my records, the account in question does not belong to me, and I am requesting that you verify its accuracy as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX I am well aware of my rights under the FCRA, which requires credit bureaus to investigate and verify the accuracy of disputed information within a reasonable timeframe. As such, I am formally exercising my rights and requesting that you provide me with complete and thorough documentation that supports the validity of this account. 

To ensure a fair and comprehensive investigation, I kindly request that you provide the following information : Verification of the Creditor : Please provide documentation proving that the alleged creditor, as listed on my credit report, is legitimate and that a valid contractual relationship existed between myself and the creditor.

Verification of Account Ownership : Please furnish documented proof establishing my ownership and responsibility for this account, including any signed agreements or contracts bearing my signature.

Itemized Account Statements : I request copies of all account statements, including the original and subsequent statements, indicating the transaction history, balances, payments, fees, and any other relevant information pertaining to this account.

Chain of Custody : Please provide a complete record of the account 's ownership and any transfers or assignments of the debt. This should include any supporting documentation demonstrating how the alleged creditor obtained the account information. 

I understand that under the FCRA, the credit bureau has a legal obligation to investigate my dispute within 30 days of receiving my request. Additionally, I kindly request that you inform the original creditor of my dispute and provide them with a copy of this letter, as required by FCRA Section 611 ( a ) ( 2 ) ( A ). Please be advised that any failure to comply with my request and obligations under the FCRA may result in legal action to protect my rights.

I have enclosed copies of relevant documents supporting my identity, including a copy of my driver 's license and a recent utility bill, to confirm my identity and ensure accurate processing of this dispute. Thank you for your prompt attention to this matter. I expect a thorough investigation and a timely response within the required timeframe. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XX/XX/XXXX-called Bank of America to inform them of a cancellation of continuous payment on the amount of {$92.00} from debit card. I was informed I need to do a stop payment in order for this to happen. The withdrawal date was to be XX/XX/XXXX. Three days before transaction was to occur. I was charged a {$3000.00} fee for this and I was told by the bank representative that a stop payment had been issued and no further transactions will occur with that particular recurring payment. 
XX/XX/XXXX-checked my banking online and what happened? The transaction in the amount of {$92.00} was processed and deducted from my account. I called the bank and I was tools I needed to get ahold of the company and inform them of the revocation of continuous payments to stop. I explained to her that I had emailed a letter in which to stop deducting from my account for the XX/XX/XXXX withdrawal and all future transactions. She told me they would credit back my account in 1 business day but they have to Le it go through as a debut charge. I needed that money today for an emergency expense but now I have to wait one business day to access that money. Tomorrow is Saturday so I wont receive funds back into my account until maybe Monday, XX/XX/XXXX. Can they do that? I thought if I told my bank to stop deducting on a continuious payment they have to do that.
Consumer complaint received 2023-09-06
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: Penn Credit Corporation (FL)

On or about XX/XX/2023, I sent a certified letter to Penn Credit Corporation/ XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance : {$300.00}, to validate the debt, to no avail has the debt been validated by Penn Credit Corporation , and or the findings has not been forwarded to me.
Consumer complaint received 2023-09-06
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-02
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. (NY)

I submitted a dispute due to ongoing identity theft and Trans Union refuse to provide me proof of this debt, I asked for the original signature of this contract, they sent me a computer generated message saying veried as accurate, without any documentation supporting this. I dont believe they even conducted a investigation. 
I don't recall having a contractual relationship XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-02
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. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.