davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TX)

The original creditor was XXXX XXXX ( XXXX ) the reason for my debt when I moved from my townhouse to my new apartment my apartment complex had an contract with XXXX XXXX XXXX so I inform XXXX XXXX ( XXXX ) of my situation. I spoke to a XXXX ( XXXX ) representative about my situation she asked could I pay my balance in full and I said no she said you can make payments but make your sure you make the payments within 30 days so it won't be reported to collection and she asked for my new mailing address in case XXXX ( XXXX ) need to contact me so I paid on my account within 30 days every month. A couple of months later I get a letter from a collection agency called XXXX XXXX they inform me they were were working for XXXX ( XXXX ) and explained to them that I was paying XXXX ( XXXX ) something every month to keep this debt off my credit report and XXXX XXXX also agreed to a payment plan witch I had them to automatic draft {$10.00} a month to protect my credit. I noticed months later XXXX XXXX stop sending my receipt so I called them and they inform me that XXXX cancel their contract. I called XXXX ( XXXX ) and wanted to know do I started back paying you because I don't want this on my credit report XXXXt ( XXXX ) told me to contact Sequium Asset Soluti. I contacted Sequium about making a payment I also asked why they didn't contact me the representative they sent a letter out to my old address XXXX ( XXXX ) failed to give Sequium my mailing address they only gave Sequium my the address where i had service at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas not my new address XXXX XXXX XXXX XXXX XXXX, Texas so i wasn't notified of the change of company. I asked the Sequium what do i need to do first he said could you pay in full i said no I wanted to make a payment I said {$10.00} he said that was to low so I said {$48.00} and you can draft the rest out of my account each month in the sum of {$40.00} so it won't go on my credit. The next day it went on my credit report so now i need it to be paid in full if he would have said no matter if you pay payments its still going on your credit report i would have paid it in full. I was also told it would be removed off my credit after i paid in full it's still on my credit I don't have any negative reports on my credit because i am trying to get a home for homeless veterans. I was lied to by Sequium they are some criminals which XXXX has a lot of complaints against Sequium.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

i am a victim of identity theft, i have supporting documents to support my claim on fraudlent accounts that have been obtained in my name without my consent, this being said i have mailed in all supporting documents to experian and they have removed the accounts at first then a few weeks later put all the fraud accounts back on my credit report.
Consumer complaint received 2020-03-12
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 — Investigation took more than 30 days
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 {$1300.00}, {$1700.00}. 
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. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (OH)

I submitted a dispute for a bankruptcy that appears on my credit report. The FCRA states that it must be verified by the original creditor. The United States Bankruptcy Court stated it did not verify the information that Experian is reporting. The court also stated it NEVER verifies information. The FCRA also sets maximum times in reporting bankruptcies and not minimums. This item should have been removed. It has been on my credit report for 8 years and hasn't been properly verified.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated IRS taxes was not received as well as a subsequent payment in the amount of {$500.00} which represents a mediation offer. The payment amount of {$3700.00} was offered to me by an XXXX XXXX while speaking over the phone in XX/XX/XXXX, it appears that check was intercepted and cashed by another party in which case another check was supposedly sent to me after I had moved in XX/XX/XXXX, the subsequent payment amount of {$500.00} was also sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. As explained in prior CFPB complaints, anything sent to old address would not be received, this includes a letter sent from mediation regarding offer amount of {$500.00} which was not received and or signed by myself. Needless to say, Wells Fargo reps can not refer back to it as they have attempted to do so prior, as again, it was not signed by myself. Wells Fargo has replied in the past in part by sending additional mediation request forms, a total of six have been filled out, denied, some reference the letter previously mentioned which was not received or signed by myself. Most recently, I received an IRS form which shows the settlement amount of {$3700.00} plus taxes reported to IRS by Wells Fargo. This is the second such form received, a form 1099, reports a payment not received in which case my taxes have already been filed and will cause an audit. The IRS will charge interest on any additional funds owed, once they audit the return. I request Wells Fargo to fix this error due to non-receipt of funds, they have reported this amount twice, in XXXX and now in XXXX for payments never received. In closing, Wells Fargo may show cashed checks, however, I can assure the CFPB those payments were not received as I moved in XX/XX/XXXX and were issued after that time period.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The inquires never gotten erase off my credit report. I contacted the business and they told me that they do not have a application filed in the system of me applying for credit and I need to dispute it with Transunion and I did but they never took them off after they told me they was deleted. These inquires on my credit report and the file was locked. XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

When I checked my credit report, I found that part of the information was inaccurate. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
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 the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # XXXX,
Consumer complaint received 2018-05-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (FL)

At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

XXXX XXXX XXXX XXXX - Property : XXXX XXXX XXXX, XXXX, NY XXXX FHA XXXX XXXX Freedom Mortgage Account XXXX XXXX Freedom Mortgage Company ( bought the paper for our loan from XXXX XXXX Mortgage ( XXXX ) XXXX XXXX ), miscalculated the taxes for the escrow for the XXXX XXXX XXXX for the current mortgage year XXXX by {$4000.00}. When we received the Escrow Account Disclosure Statement XX/XX/XXXX, which is uploaded to this Complaint, I called Freedom Mortgage and spoke to the Escrow Department. They requested documents from the XXXX XXXX XXXX, which are also uploaded to this Complaint, and provided to them right away. 
We waited until the date they requested ( XX/XX/XXXX ) to allow them to process the new tax amount. We then received the REVISED Escrow Account Disclosure Statement which showed the updated payment of {$1500.00} effective XX/XX/XXXX. I then called the Escrow department to find out why it is not corrected as of the XX/XX/XXXX payment, and they had no reason nor comment. They did not plan to make it effective that date. I asked why it is not adjusted since we do not owe the extra {$800.00} they had added to the account in the first Statement, and they could give me no good reason. They suggested I call HUD, who took our complaint and suggested we contact CFPB. And so we are asking for your assistance in correcting this error. We are asking that the XX/XX/XXXX payment be corrected to {$1500.00}.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I submitted this complaint to REMOVE this suspicious account. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I appreciate your assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DEPENDON COLLECTION SERVICE INC (IL)

Hi I had accident involving my XXXX  getting XXXX  went to XXXX  XXXX XXXX had massive bills but was able to work with them and get some of the bills reduced I had paid my medical bill on XX/XX/XXXX with Dependon and have proof on my statements proving I did I was sent to collections on XX/XX/XXXX with no warning and with having my bills payed for.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX and I am submitting this CFPB Complaint once again to request that you remove the disputed fraudulent accounts you have been reporting on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I previously sent you a disputed letter dated XX/XX/2022 with complete attachments of my personal documents as well as the ID THEFT REPORT I received from the FTC. I am now requesting to you once more to remove the following accounts and information off of my Credit 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  Balance : {$8200.00}. If you believe that the disputed accounts belong under my name, I request of you to please send me copies of proof of verification or any documents supporting your claims that the disputed items are mine. If you can not find not provide any documents needed for the accounts ' verfication, immediate deletion of the disputed accounts will be appreciated.
Consumer complaint received 2023-12-08
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CO)

1 )  XX/XX/XXXX {$400.00} loan taken out with SPEEDY CASH. Loan Number : XXXX 2 ) XX/XX/XXXX {$70.00} payment made on loan XXXX 3 ) XX/XX/XXXX Loan paid off. Speedy Cash received ACH/EFT payment for loan number XXXX in the amount of {$380.00}. 
4 ) Early XXXX XXXX XXXX XXXX  XXXX contacts me about a delinquent debt with Speedy Cash. They do not offer to send written validation of the debt and threaten me with jail time if I do not pay. 
5 ) XX/XX/XXXX I call XXXX XXXX XXXX to get more information. They will not tell me the original loan amount, they will not send written validation, they say that they can accept payment of {$1000.00} today or send my file to XXXX County court. I ask if they need my address for a summons and they claim to not need to send me a summons. 
5 ) XX/XX/XXXX I call Speedy Cash. They ensure me that I only ever took out one loan for {$400.00} and it has been paid off. They are sending confirmation to me within the next 24 hours. 


Company info : 1 ) Speedy Cash XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have had my Bank of America Visa credit card on autopay for two years ( since XXXX ). On the XXXX of each month {$100.00} is automatically paid to my account. I have not made a purchase on this my Bank of America Visa credit card in over two years. 

I recently discovered that every month since XXXX, Bank of America has been charging me XXXX XXXX month in late fees. I called their customer service line on Monday, XX/XX/XXXX to ask why and was told that my payment has been due on the XXXX of each month. Since my auto-payment has been applied to the account on the XXXX of each month, " technically I have been paying late. '' I was horrified. I asked him why there wasn't a grace period. I expected that there would be a 7, 15, or even 30 day grace period for payments. I didn't even need that. I literally was paying 24 hours late for over two years. He said that because I was paying late that the late fees could not be refunded. I also spoke with a " floor manager '' who reiterated that there was nothing he could do. He did, however, refund the late payment for XXXX ( due XX/XX/XXXX, paid at XXXX on XX/XX/XXXX ) and then he tried to shame me by telling me that I should make an effort to make my future payments on time. 

Because I set up my autopay so long ago, I do not remember the details of setting it up. I do, however, know that I've never received an email, a letter, or a call telling me that I have been making my payment 24-hours late. Instead, Bank of America continued to charge my card $ XXXX/month. I find this to be deceitful and a terrible way to treat a customer who has been paying diligently for years. 

I have attached copies of my payments for XXXX. I am unable to open my statements for XXXX, XXXX, or XXXX from the Bank of America website as it continues to give me an error message. I am, however, able to download my payments for the past 24 months and have attached those.