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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Consumer complaint received 2018-03-06
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. (MI)

Over the last few months I have been trying to get my credit work done between the three credit bureaus equifax XXXX XXXX and XXXX  they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section 609 you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (TX)

I am submitting this CFPB Complaint to you today to request once more to delete the fraudulent items you report on my Credit File. I truly appreciate the efoort and time you have spent on removing some of the items I requested for you to remove. But upon inspecting my updated Credit Report, I noticed that some of the items I previously requested to be removed are still being reported on my Credit File. I sent a dispute letter to you last XX/XX/XXXX, requesting that you take another look into my Credit File and have the disputed items removed as soon as possible. Once again, please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Inaccurate Personal Information are obviously not mine as well as these inquiries are not familiar with me. Under the Fair Credit Reporting Act section 605b, please remove the remaining fraudulent items from my Credit File as soon as possible.
Consumer complaint received 2023-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

On a recent review of my credit report Wells Fargo auto has listed a fraudulent name and account. 
The identity fraud has started in 2006 and Im really irritated that this continues. My Wasband has initiated Various names under my Social Security
Consumer complaint received 2023-01-10
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. (TX)

I am submitting this CFPB Complaint to you today to request once more to delete the fraudulent items you report on my Credit File. I truly appreciate the efoort and time you have spent on removing some of the items I requested for you to remove. But upon inspecting my updated Credit Report, I noticed that some of the items I previously requested to be removed are still being reported on my Credit File. I sent a dispute letter to you last XX/XX/XXXX, requesting that you take another look into my Credit File and have the disputed items removed as soon as possible. Once again, please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Inaccurate Personal Information are obviously not mine as well as these inquiries are not familiar with me. Under the Fair Credit Reporting Act section 605b, please remove the remaining fraudulent items from my Credit File as soon as possible.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Since XX/XX/2022 Ive been disputing with XXXX, XXXX and TransUnion via credit repair services! But to no avail nothing never has happened to my satisfaction!
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: The J. G. Wentworth Company (VA)

The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Consumer complaint received 2023-06-27
Product: Credit card or prepaid 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: DISCOVER BANK (CT)

I have had a few Fraud/ Disputes on my Discover card over the time I have had it just like anyone else. 

Discover does NOT want to deal with the fraud and they stall tactic ands till bill / rack up interest while they stall, I have fraud 2 years old STILL not resolved, this is unacceptable. 

Almost my entire balance is fraud or disputed, they stall stall stall then find the charge " Valid ''
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

i sent the following to paypal in XXXX " On XX/XX/XXXX I was informed by Paypal that they were closing my account from sending and receiving money anymore and any money in my account will be locked for 180 days. This is unfair and I was given no reason other than what seems to be because my mother was sending me large amounts of money to cover my expenses. This is unfair and I want my account reopened or at least release my money now '' then the company responded " Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPal 's user agreement ( User Agreement ). In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. As a result, we decided to cease offering our services to you as permitted under the Restricted Activities & Holds section of the User Agreement. We notified you of this action through email the same day. Per the aforementioned section of the User Agreement, Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. Pursuant to the abovementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days, if reasonably needed, to protect against the risk of liability and refuse to provide PayPal services to you in the future. We will make any remaining funds, less reversals, available to you on or before XX/XX/XXXX. 
ATTACHMENTS CFPB Response - XXXX XXXX XXXX ) .pdf ( 66.7 KB ) ' it has been XX/XX/XXXX already and paypal has not released my money and i can't get through to them
Consumer complaint received 2023-01-10
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. (MS)

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
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 XXXX 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation. PRA is also a debt buyer therefore I want the bill of sale on this account for each time this changed hands. I have no problem taking you to court to get these records and you would have to provide a custodian of records to prove the documents are accurate. This also means I have the chance to so a deposition.
Consumer complaint received 2020-05-08
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. (AZ)

I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I closed my citibank account in XXXX. There were about $ XXXX remaining balance in my account. I was told that I would get a check for the remaining balance, but I never received it. 

After a couple of month, I called again Citibank customer service and was told that they'd cut a new check and mail it to me, but I never received it in my mailbox either.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NV)

American Express sent me a prescreening and offer disclosure then after filling in my information including SSN and EIN I was denied issuance after I accepted terms. 

American Express
Consumer complaint received 2024-04-13
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Adjustment Company Incorporated (FL)

Promise to Pay amount {$25.00} per month on a {$9600.00} Loan Account ordinally opened with creditor for a Auto in XXXX and was dropped off my credit report in XXXX after a dispute was made. CACI picked up as a third party debt creditor in XX/XX/XXXX. 
I am tryin to straighten out my credit so I agreed verbally with XXXX XXXX a representative at CACI to have drafted out of bank statement {$25.00} per month due on the XXXX of every month. On or around he XXXX I noticed a decrease on my credit of XXXX points. In XXXX there was fraudulent activity done on my bank account so the card was deleted and i was issued a new card. I immediately called to see why was my payment was reported to credit bureau without a call from CACI the debtor creditor requesting the payment, AND i thought there was a 30 day grace period before late payments were assessed and reported to credit bureaus. 
On XX/XX/XXXX deposit was made XXXX {$50.00} to CACI On XX/XX/XXXX payment made of {$2500.00} to CACI On XX/XX/XXXX payment made of {$25.00} to CACI I would like to dispute the amount owed of {$9600.00} reason below. 
1. No validation information from CACI by mail or electrotonically 2. Promise to Pay of {$2500.00} was done verbally only between myself and XXXX XXXX with CACI but no documents were sent to for signature or XXXX XXXX by mail or electronically 3. Payment should not be reported on credit report as non Payment, payment was received by Myself Ms XXXX XXXX within 5 days I am XXXX XXXX XXXX on a fixed income from social security of {$890.00} per month. When I am finished payment rent, utilities am broke. I had a XXXX  XXXX XXXX in XXXX of XXXX. I would like to have this collection account removed from my credit report, Although I did agree verbally to pay this debtor, but they did not provide me with any validation hat this account is mine or is still opened. 
Thanks
Consumer complaint received 2023-09-29
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. (CO)

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 2023-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (AR)

It was very disheartening when my case being thrown out because it was a duplicate response. No one from pro collect inc has provided a written contract or signature that ensures Im entitled to this debt. My rights are being abused and I have no legal or financial obligation to this company. This is not my debt and its being illegally reported on my credit report.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Experian stated " When we contact the furnisher ( s ) or vendor ( s ), we ask that they verify all of the information regarding the item ( s ) you disputed and report back in 30 days of the date that we received your request '' 30 days from XX/XX/XXXX to XX/XX/XXXX has exceeded leaving Experian at fault according to federal law. Pursuant to 611 of the Fair Credit Reporting Act, FCRA, 15 U. S. C. 1681i ( a ) ( 1 ) ( A ) Experian acknowledged and deemed to conduct a proper and reasonable investigation into my complaint, into my credit file.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX, my Chase account showed my payment submitted successfully. On XX/XX/XXXX, the payment was returned without my knowledge, and the lack of successful payment was not made known to me. On XX/XX/XXXX, my statement showed my account as past due and that I had a late fee and interest charges. 

On XX/XX/XXXX, I spoke with XXXX Chase representatives. The first notified me that my payment account " had no funds. '' This perplexed me, as my checking account had approximately XXXX  times as much as the total due. She notified me that she was able to reverse the late fee but not the interest charges. I accepted this, and looked again my payment activity. The payment scheduled was from an account that has never been associated with my Chase account, nor XXXX that I was familiar with. I called back and spoke with a supervisor who told me that the error was mine when I set up autopay and they could not refund the interest fees for any reason. 

I have attached payment documents which clearly show XXXX separate accounts being used, and in neither case did I do anything different. I have never been late on any payment.
Consumer complaint received 2023-10-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mortgage Research Center, LLC (TX)

Veterans United took the property taxes paid by the previous owners and applied them to closing costs without authorization from myself or husband. We had stressed to VU that my husband is 100 % XXXX vet and we will not pay property taxes. XXXX XXXX, the loan counselor for VU, had taken the tax money that was from XX/XX/XXXX to XX/XX/XXXX and applied it to our closing costs instead of the property taxes that was going to be due. We didnt know this happened until after closing and we had gotten a letter from XXXX XXXX XXXX stating we owe property taxes. At no point did we authorize Veterans United to apply those taxes to closing costs. XXXXXXXX XXXX informed us that we have a policy that we purchased that protects us. XXXX XXXX XXXX company is our title company and according to the VA and XXXXXXXX XXXX, they shouldnt have allowed the paperwork to go through because the taxes werent paid. So now, my husband and I are going through XXXX trying to figure out who messed up and how to fix it. 

Also, the VA advised I call CFPB and I did and they told me that because I brought this to the attention of Veterans United that they were supposed to fix it and because they didnt they violated a policy that CFPB has. Im not sure the name.