davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS. 
I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. XXXX XXXX.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (CA)

Back in 2020 around XXXX I had my identity stolen which resulted in numerous attempts at XXXX loans through lending tree. One of the companies that accepted the fraudulent loans was speedy cash for XXXX dollars. Once I had found out about the charges I had made a report with the Federal Trade Commission regarding the Fraudulent charges and had hoped they would've been dealt with. 3 years later I see I got a ding on my credit score and apparently the XXXX loan was sold off to a XXXX party collection agency. I am unable to access the FTC report because my account has since been deleted and attempts to get it from the local police department have not been successful.
Consumer complaint received 2023-02-23
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}
Consumer complaint received 2023-02-23
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2022-02-24
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)

I would like to state that XXXX and XXXX is in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX or XXXX written consent to report anything on my consumer report. No consent is identity theft. These items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 U.S.Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX and XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX and XXXX wants to continue doing business with me they should delete these inaccuracies from my consumer report.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am experiencing a large loss of funds for unauthorized transactions on my Santander checking account. On XX/XX/2022 I used my debit card at XXXX for {$2.00}. On XX/XX/2022 My debit card and PIN were used at various ATM locations to complete multiple cash withdrawals until over {$4500.00} was stolen from my account. Thirteen transactions occurred back to back until Santander system noticed this very unusual suspicious activity which allowed said funds to be taken. I have no idea how this could happen or by whom because on XX/XX/2022 I was admitted to the hospital for a medical emergency. Please see attached. NOTE : I am hearing impaired and contact must be via email or relay service. I am XXXX yrs old and do not need the stress of this situation so I'd like to resolve it quickly as possible. Thank you.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

We lost income during XXXX XXXX, not able to pay XXXX, receive forbidden Programm and same time apply for modification of loan, back in for, for more then XXXXwo years, we ask bank we want to make payment, but they insist to continue do modification, week ago we receive answer : we not able to achieve payment for you. XXXX option sell the house or send appeals, and we send appeals. 
So if we want to pay they not allowed us make payment. 
We feel XXXX bank rules very strange, we not understanding what they want to achieve.we want to pay we not want to loose our house, it sonly what we have
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

In regards to an XXXX benefit requested for two accounts the maximum APR interest rate has not been credited to either accounts. Personal card has been open for 54 months Business account has been open for 34 months. Both accounts were approved for XXXX relief and moved to a 0 % interest rate however the balances which include over {$12000.00} in interest over the past 5 years combined was only credited ~ {$450.00}. American Express conducted two balance transfers to the new interest rate of 0 % in effect claiming that these balances are now new balances not subject to interest rate reimbursement, although they were compiled over the past 5 years prior to entering XXXX XXXX service.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We were originally charged 0n XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} I called and spent 45 minutes explaining we did not make or give permissin to incur this charge and they refunded it to us on XX/XX/XXXX. Then on XX/XX/XXXX they put the charge back on our account and I called on XX/XX/XXXX and spent 85 minutes talking with 3 sepperate reps and was told that I did not respond to a letter they sent requesting all documentation in regards to my efforts to resolve this issue with the vendor and I explained very clearly that I had no documentation due to that company not having a phone number or email address that i could find. I then explained again that back in XX/XX/XXXX we purchased a 1 month subscription to that company to stream a series.This charge was posted to our account XX/XX/XXXX for {$21.00} then no charges from XXXX were posted on our account after that untill XX/XX/XXXX for {$48.00} which doesnt reflect XXXX monthly amount or the cost for a full year. After explaining my issue to the 3 Represenatives on my XX/XX/XXXX call I said if you can not see your way to returning the charge I would like to close my account They then put me on hold 4 different times while going thru their process of closing an account in seppperate steps. I was on the phone for an additional 65min and when the rep attempted to put me on hold for a 5th time I said close the accountand hung up so I dont think my account even got closed
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

This is what happened : XXXX XXXX Superior Court mistakenly sent my traffic violation debt to Alliance Once collection agency. I completed community service hours and verified them with the Court in XXXX of XXXX, which satisfied the debt directly with the Court. I do not owe any debt for this traffic violation. 

Alliance One has been attempting to collect this debt from me beginning in XX/XX/XXXX. I informed them during a phone call in XX/XX/XXXX that I already satisfied the debt directly with XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Alliance One has refused to officially verify this debt. Alliance One has refused to contact XXXX XXXX XXXX XXXX to verify if I owe this debt or not. Alliance One has wrongfully intercepted my state tax refund, in the amount of {$170.00}, in an attempt to collect this debt.
Consumer complaint received 2023-02-21
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FAXXXX OR MISLEADING REPRESENTATIONSXXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX, AZ XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX Date of inquiry XXXX XXXX Please remove it from my credit report. 
15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/XXXX -received a voice mail from a XXXX XXXX from comenity capital bank referring to me in my maiden name XXXX received same voice mail message, I decided to XXXX  the bank and did not recognize it. I checked my XXXX XXXX report and saw that my credit score significantly changed. Upon further review I learned that an account was opened on XX/XX/XXXX with a balance of {$5500.00}. I reached out to the bank and spoke to XXXX to whom I provided my information, she advised the address on the account is NOT MY ADDRESS so she asked me to provide my address so correspondence can be mailed to me in regards to the account. I provided my phone number and email address as well, immediately I received an email asking to confirm I requested the change. XXXX advised they would forward my case to the investigation department. I was told I would receive a letter within 90 days and the balance should be brought down to zero and should be removed from the credit bureaus if confirmed the credit card was opened fraudulently. The card has XXXX charge made on XX/XX/XXXX under " XXXX  XXXX XXXX '' in XXXX.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (UT)

XX/XX/XXXX Re : Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX Through countless efforts, our issues with Shellpoint Mortgage Servicing Company, are ongoing, and have never been resolved to this day. As a last resort, on, XX/XX/XXXX, we filed a formal complaint with the Consumer Financial Protection Bureau. At which time, on, XX/XX/XXXX, Shellpoint responded, and offered a 30-pay pay-off. Unfortunately we were unable to acquire funds to facilitate that time frame. We reached out and spoke to XXXX on XX/XX/XXXX, and were granted a 30-day extension. 

On, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, we received letter from Shellpoint, stating, due to the complex nature of the matter, Shellpoint respectfully requests additional time to respond fully. When in fact, the extended offer stated, In review of your settlement offer, Shellpoint is willing to settle the loan in full within 30 day at 90 % to 95 % of the current payoff balance. Per the enclosed payoff quote, the payoff balance is {$37000.00}. 

In pure frustration, on XX/XX/XXXX, we paid Shellpoint in full, the full payoff amount of, {$36000.00}. To our surprise, Shellpoint did NOT honor their settlement offer of, 90 % to 95 % of the payoff balance. 

On, XX/XX/XXXX, we received a confirmation letter from Shellpoint stating the loan has been paid in full. 

As of, XX/XX/XXXX, Shellpoint has never released the lien on our property, and our Credit Bureaus have NOT been updated to reflect the loan at a XXXX  balance, or that the loan has been paid in full. 
Utah requires the lien release be filed within 10 days ; In Utah, a lien claimant is obligated to record a Release of Lien once the lien claim has been satisfied, if a request is properly made by a party with an interest in the property. The release must be filed within 10 days from the date of the request. XX/XX/XXXX XXXX XXXX XXXX XXXX sent that request to Shellpoint along with the pay-off on XX/XX/XXXX.
Consumer complaint received 2023-02-21
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. (CA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX/XXXX  XXXX  XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  -Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Texan Credit Corporation (TX)

Texan Credit has been calling employer, has called numbers not on file and those numbers have contacted me, harass on phone calling repeatedly using various numbers and repeated times. XX/XX/24 called my sister in law whom I did not share her phone number but got from my phone company report. Called me that same day. I communicated with them that currently on short term XXXX due to high risk XXXX.
Consumer complaint received 2023-02-21
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (PA)

PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS. I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. SSN XXXX see attached Court Order. I am current.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, Equifax, XXXX, or XXXX.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc. (NJ)

On XX/XX/XXXX, I made a payment to a Merchant using the Skrill Portal. For some reason the payment timed out from the merchants behalf but was instantly taken out through Skrill. 

Its been well over 10 business days and Skrill keeps giving me the run around for a reversal refund. I also spoke to a couple managers and nobody has any resolution for this matter and to make matters worse the managers informed me that they are not allowed to give me any insight during this process. 

Thats when I decided to take matters in my own hands. I dont feel safe using this institution anymore because I dont feel safe with my funds as a consumer. Please assist me with this matter and I highly appreciate CFPB and thank god for such an organization. 

Thanks in advance, XXXX XXXX
Consumer complaint received 2022-12-12
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. (MD)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$4100.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$7400.00} Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.