davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dear Credit Bureaus, I am writing this letter to formally lodge a complaint against Equifax, XXXX and XXXX for their refusal to provide me with validation of a debt. Despite several attempts to seek validation of this debt, XXXXXXXX XXXX has consistently claimed that they do not have any obligation to provide me with such validation. 

It has been over 30 days since XXXXXXXX XXXX confirmed receiving my correspondence, and yet they have failed to provide me with any validation of their debt collection. I would like to bring to your attention that this is a clear violation of consumer laws that require creditors to provide validation of a debt upon request. 

According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt from creditors. This includes information on the original creditor, the amount owed, and any other relevant information. Failure to provide this information within 30 days of receiving the request is a violation of the FDCPA. 

In my case, XXXXXXXX XXXX  has failed to provide me with any validation of their debt collection despite my repeated requests. Instead, they have sent me transaction records, which do not qualify as validation of a debt under the law. 

I would like to inform you that I will file a small claim requesting {$1000.00} for defamation and willful injury if this debt is not removed from my reports immediately. I hope that you will take appropriate action against XXXX XXXX and ensure that they comply with the consumer laws. 

In conclusion, I urge you to take this matter seriously and ensure that credit bureaus stand up for the rights of consumers. It is important that creditors are held accountable for their actions and that consumers are protected from unfair and illegal debt collection practices. 

I have attached all correspondence as well as screenshots of the laws pertaining to Validation, They have also admitted that they sent my debt to a debt collection agency Violating my rights AGAIN by sharing my no public information without my CONSENT, or providing me any proof of signed disclosures saying I authorize these actions Violating the Gramm Leach Bliley Act! 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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
Consumer complaint received 2023-03-15
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXXXXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$300.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Hi CFPB, I signed up for a Wells Fargo Everyday Checking account with a promotional code stating that I would receive {$320.00} if I performed a direct deposit into the account of {$1000.00} or more within 90 days. The account was opened in XX/XX/XXXX and the direct deposit was made in the same month. However, it is now XX/XX/XXXX and I have not yet received the promotional bonus. I've attempted to resolve this with Wells Fargo but they have not been cooperative. Could you please help to resolve this case and credit my account for the {$320.00}? 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Attention to  XXXX   XXXX  : LOAN #  XXXX  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , Florida  XXXX  Borrowers Name :  XXXX   XXXX   XXXX  To :  XXXX   XXXX , Single Point of contact of Contact of Rushmore Loan Management Services LLC.   On   XXXX   XXXX   XXXX  , we faxed the complete package to your Company requested a Loan Modification, which include the following documentation Authorization release information copy of the Mortgage statement,  Rushmore Borrower Assistance Application c ompleted and signed,   XXXX   AND  XXXX  Income taxes return, 2 months of paystub, 2 months of Bank  Statements and Utilities bil ls. The Fax confirmation on that day at   XXXX   XXXX   with  57 page s and also at   XXXX   XXXX   also  57 pages as  well.   On   XXXX   XXXX   XXXX  , we received a letter from Rushmore Loan Management Services LLC. Indicated received documentation for a Loan Modification assistance and review On   XXXX   XXXX   XXXX  , we received a new letter from Rushmore Loan Management Services LLC, indicating that were unable to offer Loan modification because The complete home Retention package was not received more than 37 days before the Foreclosure sale. Sale day   XXXX   XXXX   XXXX  .   On   XXXX   XXXX   XXXX  , we communicated with   XXXX   XXXX   XXXX  , confirmed received the documentation and he requested again the financial documentation because that quality was not the best. On   XXXX   XXXX   XXXX   we emailed him the following documentation : Tax returns, Paystub, Bank  Statements highlighting rental income, Homeowners Insurance, Lease contract We kindly request to re view this resolution based on the facts that we present and allow us to continue with the process.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (NC)

I leased furniture through a company called acima credit. And signed a lease over the phone thinking I was paying the amount discussed over the phone which was {$650.00}. They then sent a letter a few weeks later saying I had a  XXXX  deadline to pay off the bed. That was   XXXX   XXXX   XXXX    . I called to figure out when my deadline was and told me it passed and that I now owed {$980.00} dollars. I asked to be transferred to a supervisor, which was very rude, to try to resolve the issue. I never knew I was signing a lease for more then the amount owed until I received the letter. But the damage was done. The lease was already signed.
Consumer complaint received 2024-03-27
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. (CA)

I am submitting this complaint to dispute the correctness of specific information within my credit report. Enclosed, you will find the necessary documents highlighting the disputed items. It is imperative that the inaccuracies or omissions I've identified be rectified or eliminated. 
To substantiate my claim, I have included copies of my driver 's license, utility bill, and XXXX XXXX XXXX. I urge you to promptly investigate these matters as they are negatively impacting my financial situation and causing distress in other areas as well. Your swift attention to this issue is greatly appreciated. 
Thank you for your prompt assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023, I called navy federal credit union and asked for my tax refund to be released early because it was pending. I was told to call back on XX/XX/XXXX, to release funds and I was told today that majority of ny tax refund was offset due to a unpaid credit card. From my knowledge, tax returns can only be offset due to state and federal debts. A credit card is neither. I have 2 checking accounts with this bank and 5 savings accounts, 4 which are custodial savings accounts for my minor children. I receive mail on a regular basis from navy federal but I never received a letter stating the bank would be collecting my entire tax refund to repay an unpaid debt. I am a single mother to XXXX children, XXXX with suspected XXXX XXXX XXXX  This money would have helped offset some of their medical bills. Had I not called, I would not known why i received a partial refund. I get direct deposits every 2 weeks into this account. The money has never been transferred to this closed accounts. Covid effected my household as well as XXXX of other houses holds. The housing crisis and food inflation cost has taking a toll on me. I attempted to discuss this with 2 different individuals at navy federal. My tax refund was illegally seized by Navy federal without warning. Although i understand that I do owe for this debt, there was no conversation or correspondence between myself and navy federal before my refund was offset. Banks do not have the authorization to offset refunds for debts. I would like to resolve this matter and have my monies returned to me.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MO)

I received a Brinks prepaid card with my full name on it sent to my house. This is very alarming because when I went to call them you cant get a live representative to ask how this happened when I NEVER applied for this, it makes you activate this card and provide your social, so of course I hung up and the messed up part, is that there is FULL account information on the paper as well. Account and routing number with my name and address. This is ridiculous how this happened!
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

They said they would order the part to fix my refrigerator. The took the broken part. I wrote a check for {$210.00}. There were a few messages that they would order the part. They never did and then I couldnt reach them. Their phone number doesnt work. I read where they have scammed other people the same way. They are foreigners and barely speak English. The person who came to my home had to use a translation app oh his phone
Consumer complaint received 2023-03-15
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MN)

On XX/XX/2023, I opened up 2 savings accounts and 1 checking account at Citibank. I did this because I wanted to switch banks to them because I liked the benefits. I definitely regret it. My old bank is XXXX XXXX, so when I opened the accounts, I transferred all of my money from XXXX XXXX  to Citibank. 
Those amounts included : {$550.00} transferred to my checking account {$3500.00} transferred to one savings account {$400.00} transferred to the other savings account I also decided to set up direct deposit with my job, so a paycheck of {$1000.00} was also deposited into my checking account.

The next day, when all of the funds arrived, I received a check from my old car loan company for the GAP coverage refund. I decided to deposit it in my new checking account. The amount of this check was {$840.00}. Citibank initially cashed it, saying that the new check was great. It even said the funds were available in my account. The next day, they marked the check for fraud. I immediately lost all access to my specific bank accounts. I couldn't see any money, nor open up the transactions page. All it said was " account blocked. '' So naturally, I called them and tried to figure it out, because my name is clearly on the check with my address. After jumping me around from representative to representative, I was told multiple things. I was first told that my account had been closed and that they were terminating our banking relationship. I thought that maybe it was a mistake, because the check wasn't fraudulent. I called again because I thought it was a mistake, and then was told that my account was under review by the fraud department and that I should wait. That put me at ease, and I ended up waiting longer. In the next few hours, they completely blocked all access to my account, I am not able to log in anymore. After being on the phone for another few hours and being bounced around, they told me our banking relationship is over and that I would be receiving my funds in the accounts 30-60 days from when my account was closed. And the account could close any time in the next 30 days, meaning I could be waiting for 90 days for my money back. This was ALL of my money at the time, and I had XXXX dollars to my name when the completely blocked me out. So I begged with them to help me figure it out, but they just kept informing me that our relationship was over and I would be receiving the funds soon. 
When I received the check in the mail today, 48 days later, I was honestly livid. The total that they believe was in my accounts at the time of closure was {$100.00}, when there was really {$6400.00}. 
In total I am missing {$6300.00} from Citibank.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This email is being sent to multiple people including the department of education, Experian and XXXX for full visibility in the hopes that I can obtain a refund for my degree or lack thereof. 

Back in XXXX I attended XXXXXXXX XXXX to obtain my degree in finance. I graduated with an XXXX XXXX from this particular institution, however after graduating and looking to further my education, I found out quickly that my credits were unable to be transferred to any other school including community college due to the fact that the school was not properly accredited, although XXXX told me that they were accredited at that time. After debating whether I should pursue additional education with XXXX to obtain my XXXX XXXX, since clearly my credits werent able to be utilized anywhere else and I was only XXXX credits away from my XXXX XXXX if I went through XXXX, I found out that XXXX was under investigation for fraud. I alerted XXXX ( XXXX XXXX ) at the time of the allegations and told them that I shouldnt have to pay my loans for a school currently under investigation for fraudulent practices, however that request fell on deaf ears. So I decided to stop paying only to have XXXX hit my credit with multiple 30 day late notices thus forcing me to pay these ineffectual loans. In XXXX of XXXX, XXXX finally decided that because the school was officially charged with fraudulent activity they would relinquish my debt in the amount of {$5200.00}. Great news right? Wrong. 

Between XXXX and XXXX, I paid a total of {$25000.00} including interest ( one as high as XXXX XXXX ) to XXXX for an XXXX XXXX that I am unable to utilize to help further my education or career. I am requesting a complete refund of the {$25000.00} that I paid so that I can pursue additional education or utilize the money to start a business. 

Additionally, I would like the negative remarks removed from my credit report immediately due to the fact that these loans arent even viable considering that the school was found guilty of fraudulent practices. 

Thank you all for your assistance in this matter.
Consumer complaint received 2023-03-15
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. (LA)

RE : CFPB Complaint ID XXXX XXXX XXXX  Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (TX)

Hello, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX - EXETER FINANCE LLCXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!