davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (CA)

I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to a speedy resolution of this matter.

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BROKER SOLUTIONS, INC. (NC)

On Friday, XX/XX/XXXX, I agreed to the refinance mortgage terms offered by senior loan officer XXXX XXXX at New American Funding. I was issued a Loan Estimate and signed the necessary documents to begin the loan process. 

On Saturday, XX/XX/XXXX, via email correspondence I inquired about making sure our rate was locked in and how that would work with the holiday weekend. XXXX replied that same day : " We can lock in the rate once we have received the e-signed disclosures and the below documents needed for our processing/ underwriting team. On Tuesday once the market opens up, we should still be fine and if anything worst happens in the market, I will have management take care of it ( your in good hands with me ). '' On Tuesday, XX/XX/XXXX, I began uploading the requested documents and was again in correspondence with XXXX via email. He never mentioned a single word about any changes to the loan terms. 

On Wednesday, XX/XX/XXXX, XXXX called me to confirm that we were locking in the loan as all documents had been received and everything signed. He assured me I would be hearing from the appraiser very soon and we would be closing on the new loan in less than 45 days. Again, he never mentioned a single word about any changes to the loan terms. 

On Thursday, XX/XX/XXXX, I received an automated email from New American Funding with an update to review and sign loan disclosures. When I opened these documents I found a new Loan Estimate showing a {$13000.00} increase in the loan amount, a {$4500.00} increase in origination fees and a more than double increase in discount point costs. 

I contacted XXXX immediately to let him know I did not agree to these new terms and that if the loan he was now offering did not match what we previously discussed, we were no longer doing business. His response was somewhat curt and he made no attempts to rectify but simply wished me the best of success. 

I believe his failure to inform me of such changes was completely intentional and deceptive. I had specifically reached out to him about wanting to make sure that everything locked in and stayed the same, to which he assured me it would, so he was very aware of my desire to stick to the original terms. He made it sound like the phone call was simply a formality to lock in the loan. At NO time in writing or verbally did he express a change in rate, a change in closing costs, or a change in origination fees.
Consumer complaint received 2023-05-29
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: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2023 XXXX XXXX XXXX American Express credit card XXXX XXXX 

I canceled via phone the Airbnb with XXXX XXXX 
XXXX told me refund will be issued, which I haven't received. Opened the dispute which got closed and decided in favor for XXXX and not me. 
When I cancelled it, they told me no fees charge and full 100 % refund. 
Still haven't received a refund.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2023-09-08
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. (VA)

In accordance with the fair credit reporting act, XXXX XXXX  account # 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 states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2023-08-22
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. (NM)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2023-09-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (MI)

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau XXXX and they after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and they dispute it for me but I want XXXX and XXXX XXXX XXXX XXXX XXXX that a company can damage my credit report and report soemething is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare that they will keep putten more things please need help
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

On XX/XX/2023 XXXX XXXX XXXX opened a unauthorized and unrecognized inquiry on my Equifax account that I want removed.
Consumer complaint received 2022-12-07
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. (TX)

In accordance with the FCR act ... .the following companies has violated my rights as listed below. 

XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX In ( Acct # XXXX ) The XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX XXXX ( Acct # XXXX ) 15 USC 1681 sec. 602 A states I have the right to privacy. In addition, 15 USC 1681 sec. 604 A sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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. (OH)

In 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 2023-03-14
Product: Credit reporting, credit repair services, 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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX  inquiry which is new still showed up
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I received XXXX emails from Venmo on XX/XX/2023 that stated a total of {$79.00} was being disputed by the sender because they did not mean to send the money. However, I was in front of the individual while they sent me the money on Venmo to pay for their food. The Dispute ID from Venmo is : XXXX for {$50.00} transaction date of XX/XX/2023. The second Dispute ID from Venmo is : XXXX transaction date XX/XX/2023. Venmo claimed that they disputed this chargeback with the bank because " This transaction was not marked as eligible for Purchase Protection. I told Venmo that the sender called me personally and told me that he had overdrafted his checking account and told his bank these were fraud charges so he could receive the money back from Venmo. Now on XX/XX/2023 Venmo emailed me and said that the financial institution decided in the sender 's favor and there is nothing Venmo can do. My account balance is now negative {$79.00} on Venmo.
Consumer complaint received 2023-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

I traveled to XXXX, IL and went to XXXX XXXX of XXXX XXXX to look at a used vehicle. The price online was reasonable, I drove the vehicle, and decided to proceed with the purchase with the condition of obtaining pictures of the underneath of the car to ensure no damage or issues. The vehicle was currently being used a demo for their Operations Executive. The Sales Representative assured me that the pictures would be taken and while waiting we negotiated. The Sales Representative brought back a paper that included the advertised price plus additional substantial fees for lo-jack and a ceramic paint coating- all over {$5000.00}. I declined those add ons and was told they were already on the vehicle and I would have to pay for them. I advised the Sales Representative that these additional fees were not disclosed on their website and not legal. The Sales Representative said that all cars come with it and its non-negotiable. They advised they would work on price and would take pictures. I left and conducted follow-up and got the run around regarding the pictures. I was told by the Sales Manager that the Executive took the car home and after escalating was told the car was already sold with the other party buying the vehicle with all the add ons. This company used unethical sales tactics, pressure, and deceptive marketing. The least sophisticated consumer would be scammed into paying for these add on products without knowing they are not permitted. This company needs to be investigated or shut down. There are multiple reviews expressing the same concerns of mine. Something needs to be done.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act, XXXX XXXX  account # 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 states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. 

On XX/XX/, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXX, FL XXXX we transferred {$10000.00}. This is a business we have standard relationship during the year, and it is not the first time we transfer money. In fact, this is just an addition to complete the new batch as new requirements were added to the process requiring the additional money. 

We provided all the information requested including invoices from manufacturer, etc. 

We have been visiting the institution several times, having meetings and meeting with no resolution and not even an answer about the reason the money is on hold. This situation will cause a significant financial damage to our company, as we depend on receiving the merchandize on time for the holiday season and to avoid significan increase in the shipping price due this delay.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2022-10-25
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX