davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gordon, Aylworth & Tami, P.C. (OR)

I really didn't know anything about the situation that was happening to my friend. I guess this was an old credit card debt from years ago. First I heard of this situation was this last XXXX XXXX. She told me that this lawyer/ collection office ( XXXX XXXX XXXX XXXX XXXX has sued her and is garnishing her account. Which she is on SSD support to help her survive. She is paranoid XXXX. They already have a judgement she said on her account and started taking money out. 
This is when I heard of what is happening. She asked if I could use one of my credit cards to pay them off so I have money for my needs from my XXXX. I said finally ok. I had her call to pay the full amount. She asked them for some kind of discount it's paid today in full. They said no. Oh, I don't know anything about the above situation but something just doesn't sound right I told her.

This is where my complaint originated. I received my XXXX XXXX bill and this company processed the payment as a wire transfer. I looked up their payment process and it states on checks/ debit card they might do a wire transfer. So, I tried to help a friend and pay her bill and get charged a wire transfer fee of {$81.00} and interest of {$8.00}. Total of {$90.00}.
Consumer complaint received 2020-09-26
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)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

My boyfriend XXXX XXXX had XXXX card, he had his unemployment direct deposit on it, I lost my card mine was being put on so I changed mine to his card also. They accepted first check then two weeks later they cancelled his account after my second check was deposited on it amd wont give access to XXXX on card. Told me I need to get a letter of identity from unemployment, they dont issue them they told me they wpuld request the money be returned but XXXX  wont return it and we need our money. My ne is XXXX XXXX. My spouse is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page  attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2020-08-08
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. (TN)

I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.
Consumer complaint received 2020-09-26
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I sent a letter to Bank of America at XXXX, XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
The letter was my feedback for the response I received from XXXX XXXX of Bank of America to my CFPB Complaint # s XXXX & XXXX. 

On XX/XX/XXXX, I received a secure message from XXXX XXXX XXXX, Senior Resolution Specialist, Regulatory Complaints of Bank of America. 
XXXX XXXX 's message was in response to my feedback letter of XX/XX/XXXX. 
In the secure message, bank statements for the months of XXXX and XX/XX/XXXX were attached. 

The statements were for Account # Account # XXXX XXXX XXXX owned by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX So, I responded to the secure message asking XXXX XXXX why Bank of America had wrongly sent me confidential financial information belonging to another customer. 

XXXX XXXX replied on XX/XX/XXXX by stating the following : The bank statements included in the secured email was not intended for you. 
As such, we ask that you delete the secured email with the third party information. 

That's all. XXXX XXXX provided no information whatsoever explaining why such a serious data breach had occurred at Bank of America! 

So, on XX/XX/XXXX, I sent XXXX XXXX a secure message in which I stated the following : If Bank of America can wrongly send another customer 's sensitive data to me, tomorrow it can do the same thing with the sensitive data of my own bank accounts too. 
So, what measures has Bank of America taken so far to ensure such a serious data breach does not happen again? 

It has been over a month since I asked this simple question to XXXX XXXX. 
But I have received no reply from XXXX XXXX to my query. 

It's bad enough Bank of America committed a serious breach of sensitive data by sending to one customer confidential financial information of another customer.

But what is even worse is when their Regulatory Complaints group treats the issue as though it's perfectly normal for the bank to do such a thing!
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

I received a call from XXXX five days ago. Midland Credit has continued to call from this number. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. This company should be prevented from conducting any additional calls as this is now being harassment.
Consumer complaint received 2020-08-08
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. (IL)

I submitted a dispute with experian that per the fair credit reporting act section 609 a 1 a that by federal law i required to request the original signed consumer contract with my signature on it for XXXX XXXX XXXX XXXX and Chapter XXXX bankruptcy. The company stated that they verified the information and it is accurate. I have since tried to redispute the items again. And per the website they don't have to re investigate my dispute. i have also sent them the same letter and upload it to their website as well
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: RAS LaVrar, LLC (GA)

COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " XXXX '' XXXX ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS 100 % XXXX  AND LEGALLY XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION DISABLITY INCOME GARNISHMENT
Consumer complaint received 2020-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I erased the complaint but saved it as a download. Please see attachment file complaint is there. Thank You. Capital One has all this information and has copies of complaints I filed with the XXXX  and the e-mails to and from this company and myself stating refund was sent also they have recordings of all phone calls or so they say.
Consumer complaint received 2020-10-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: 1st Franklin Financial Corporation (GA)

I have a loan with 1ST FRANKLIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 1ST FRANKLIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$4200.00} Account Number : XXXX Date Opened : XX/XX/year>XXXX XXXX
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (FL)

I received yet another ping notifying me of my credit score decrease. I open to look into the situation and see that tbis company has reported me 4 times once on a weekly basis to the credit bureau for the same account. I called to discuss the situation at hand and asked specifically if i could speak to a supervisor or manager. XXXX introduced herself as one. After explaining the situation at hand to her in refernwcing to her recurring reports for the same account on a weekly basis. Her response was, " Yes, we are allowed to do that. '' I asked her if she was sure because I tought that it was suppose to be 30 60 90 days and she told me not so. They are allowed to report this on my credit weekly. I responded fine and began to do a little research and have not come across any changes specifying this action. So I called back and spoke with a gentleman this timw. Gave him all the requested information needed to bring up the account in which we did and was able to look into the situation. And he was more focused on retriwving my social security number and update my information rather then address the fact that they are continually report the same account on my credit which has affected my score. So I told him to have a nice day and I will be reaching out to you guys.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

In XXXX I asked home point mortgage for a forbearance on my home loan for 60 days On the XXXX of XXXX I went into homepoint financial webpage and tried to pay my mortgage- I had to take off the forbearance and then thought I made my mortgage- because I was supposed to call someone at hpf I thought I was done. On XX/XX/XXXX I went in to make sure my autopay was on but found out my payment didnt go through - Id I made XXXX XXXX and XXXX payment then. HPF is now marking me 60 days late on my mortgage which means my credit score dropped 70 points and I can not get another mortgage for at least a year. On XX/XX/XXXX governor XXXX proclaimed that mortgage companies would not report people late on their mortgage- Ive called the company and written letters to the credit report agencies- Im asking for anyone that was in forbearance to not have their lender report them as late Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (UT)

EOS CCA is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against Experian AGAIN for what I believe to be another clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. I initially brought this matter to Experian attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to REMOVE ALL these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about Experian 's compliance with federal regulations. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Experian adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. I have attached my initial dispute letter to Experian dated XX/XX/2023. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (TN)

I am a victim of identity theft. Several years ago my information was stolen from my office and several accounts were opened in my name. I filed a police report with the XXXX police department. I did not open this account with XXXX XXXX. Several accounts with this bank were opened at the same time and this is the last account that is still in collection status. I have attached copies of letters from XXXX XXXX XXXX, a collection firm that was handling the other accounts and did their own identity theft investigation, and removed the accounts from my credit report.
Consumer complaint received 2023-02-09
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. (AZ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-08-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (PA)

his started when XXXX XXXX sent my account to a collection Agency called Vital Recovery Services. I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when Vital Recovery got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to XXXX XXXX, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is vital Recovery etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to XXXX XXXX for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done