davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

My Loan was originally with XXXX and was bought by Selene Finance, since then we have had issues with filing paper work, Selene finance claiming we did not have homeowner insurance, ( which we did and have always had ), charging fees for things that were unheard of and when asked to explain what it is they didnt. The end result always being the same, saying they willl put in a request in which we never see any results in and end up with forclosure or there reps hanging up the phone on us.
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. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
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. (TX)

In accordance with the fair credit reporting act XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX  {$1400.00} XXXX {$1100.00} ( 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 2018-12-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My brother died 3 years ago and as such I received the proper paperwork from the courts to handle his estate such as it was. Our estate attorney suggested that we keep the property for 2 years and then sell. We did so for 3 years and then tried to sell the property. Upon doing the closing paperwork the company found a hiccup and it prevented us from going to closing. I then called Bank of America and  asked if they would take a short sale or a deed in lieu and was told emphatically NO. I was told that the property would have to go through a cascading process. It was then ( XX/XX/2018 ) that we stopped paying the mortgage. Now bank of America tells me that if I want to sell the property or short sale, or deed in lieu, that I personally will have to ASSUME the property for that to be done. I don't understand that if I was given power to handle his death, then why can't I handle this matter without turning my life not to mention my credit upside down.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included?
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent in multiple dispute letters to TransUnion because of Fraudulent Hard Inquiries furnished to my consumer report without my knowledge or consent. Ive tried to call multiple times to make my disputes as well as fax. I have yet to get response by mail. Ive been getting the same phone response from the TransUnion telephone operators. They keep telling me to send in the same documents that Ive already sent in multiple times. Also Ive mentioned to the operators that the company is breaking multiple Uniform Commercial Codes but they still choose not to remove the fraudulent hard inquiries or make marks saying that Ive attempted to have these things removed. Under 15 USC 1681 s-2 ( a ) ( 1 ) theyre in violation because I have informed TransUnion multiple times that have reasonable cause to believe that the information on my TransUnion consumer report is inaccurate and no action to remove the inaccurate information has been taken. Under U.S.C 1681 s-2 ( a ) ( 2 ) ( B ) TransUnion is in Violation because they have not been responsible on their duties to correct and update false information furnished on my consumer report. Under 15 U.S.C 1681 s-2 ( a ) ( 3 ) Theyre in violation because they still have yet to provide any notice of my past disputes. Under 15 U.S.C 1681b ( c ) ( A ) TransUnion is in Violation because I ( the consumer ) did not authorize any agencies to provide such reports. Under 15 U.S.C 1681g ( a ) ( 5 ) TransUnion is in Violation because they shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer but they still did and still choose not to remove them even after I informed them.
Consumer complaint received 2022-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

CFPB XXXX Bank of America, On a recent pull of my credit report I see Bank of America has an unauthorized hard credit inquiry on my credit report dated XX/XX/2022 I would like removed. 

Attached with this complaint are : - my drivers license - my social security card - my mailing address - my written complaint - Proof of where its located
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I sent a letter requesting that this item is removed from my credit file. The item in question is XXXX XXXX XXXX XXXX, for an automobile. I sent a letter to the finance company, and I also sent a request to the the credit reporting agency Experian. This item is listed as a charge off, for {$13000.00}. It is also, reporting separately as discharged through a bankruptcy. The internal Revenue Service, defines a charged of debt over {$600.00} as cancelled debt. You have to pay taxes on cancelled debt, because it turns into income. This financial institution never sent me a cancellation of debt form to file. It was never mailed to me, or discussed over the telephone regarding this account. A cancellation of debt turns into income, when reported on a tax return. Income is not reported in a consumer report. A charged off account over {$600.00} reporting to my consumer report is Tax Fraud. I never received a cancellation of debt form to file. According to US Code 1681 ( e ) subsection ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum possible accuracy of the information, concerning the individual about whom the report relates to.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

Credit Card Application # : XXXX Inability to give me access to this account is securities fraud for withholding an extension to my own credit and will be notified to the SEC and FTC. Please retract my application from reporting to my credit profile if you are unable to acknowledge a completed application and give me access to this account as stated under the regulations of the Equal Credit Opportunity Act and Truth in Lending Act.
Consumer complaint received 2022-10-18
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 accounts : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

This letter is to inform Coinbase of a fraudulent activity committed through your company 's services. I was involved in fraud with Scammers from the company XXXX I would like to emphasize that during so-called cooperation with the firm mentioned above, its employees provided me with a lot of fake information and as a result, I accepted the investment of quite a reasonable sum of money for me, namely XXXX XXXX from this sum were transferred to the Coinbase wallet, associated with scammers. They made me believe I was purchasing and investing in XXXX, but in reality, my money was just stolen. I was led to believe that I was " trading '' with the funds that were transferred, while in reality, the fluctuation in numbers was all smoke and mirrors for the scammers to get away with stealing all of my funds. 
I have included all the necessary proof for the damages, both financial and mental, that have been done to me throughout my interaction with this fraud. The tactics used included : emotional manipulation, double binding, complicated market speech, harassment and blackmail. I understand that sketchy companies can be put under a lot of pressure from Coinbase 's side as they can lose their ability to process payments.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (NC)

XXXX dollars from my tax money was taken from my savings account from chime bank it showed the location from chime and that number it changed out of my account was the same location as chime no one could of took my money out but chime because the money was in my savings and they went in my account changed my number to theirs and changed my password so they could take my money out and I reported it to chime all they say is they find no evidence when clearly I'm sending the evidence to them showing its chime doing these scam act on my account and they never gave me my money back!!!
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had a dispute with Capital One for over a year regarding incorrect amounts they have for my account, they claim I owe over {$700.00} but the card was not used by me for months before the balance was that high, I made them aware of this and they continue to play games and not respond to emails, I am currently on the phone with Capital One right now and the guy is saying there was no dispute filed but I have a digitally certified email from Capital One saying they filed a dispute for me. 
I have faxed, emailed, sent certified mail, and called them regarding proof and documentation and they always claim it was never received and then do not respond back to help me fix the balance on the account.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

XXXX XXXX XXXX Reported : XXXX XXXX, 2024 {$3100.00} Keep reporting that i owe them i didnt owe i didnt do this i did rent i never live here
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against CAINE & WEINER for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. CAINE & WEINER has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with CAINE & WEINER Inc. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with CAINE & WEINER proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. CAINE & WEINER conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that CAINE & WEINER take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If CAINE & WEINER is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation.

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (OH)

I filed XXXX  XXXX bankruptcy about XXXX, XXXX XXXX XXXX, and it was discharged in XXXX. During this, I reaffirmed or in other words, kept my car loan and the bankruptcy was discharged. GM Financial now refuses to report my monthly payments to the credit bureaus, thus preventing me from searching for different refinancing options as these possible new lenders can not find a vehicle in my credit report, and GM Financial is also preventing a credit score increase as time goes on essentially attempting to trap me in a vehicle loan with no benefit to my credit score. I will work with my credit union to refinance the vehicle if a solution is not created, as I have auto financing history built with them. I have already made a complaint with XXXX, and I would have not reaffirmed on the vehicle had I known they would not be reporting my payments to the credit bureaus.
Consumer complaint received 2022-10-18
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 accounts : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

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
Consumer complaint received 2023-08-09
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)

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. XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX SELF-REPORTED XXXX Balance : {$230.00} ; XXXX SELF-REPORTED XXXX Balance : {$64.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX FIN XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.