davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!! 

I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. 

It is paramount that we resolve this matter promptly, within the 5-day timeframe mandated by law. I demand immediate action and a written acknowledgment of this dispute letter. 

My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served.
Consumer complaint received 2024-04-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

XXXX  XXXX  keeps charging my late fees after my card was closed per my request and also I made payment on XX/XX/2024 payment was never processed therefore my account became past due and was charged another late fee. XXXX XXXX XXXX  has been handling my account poorly.
Consumer complaint received 2020-01-09
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: ALLY FINANCIAL INC. (FL)

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and XXXX XXXX?
Consumer complaint received 2020-01-09
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. (CA)

Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2022, I sent a validation letter to National Credit Adjusters asking them to validate a collection they reported to my credit report. The company never responded to receiving my letter. Therefore I proceeded to file a complaint with the Consumer Financial Protection Bureau for the company 's unprofessionalism. On XX/XX/2022, the company responded with a letter apologizing for the inconvenience as well as a pdf showing a credit card bill signed by a XXXX XXXX XXXX. In the original letter sent ( attached ) it was clearly stated under the Debt Collector Declaration that certain documentation should be sent as validation. The letter also listed the requested documentation. The company ignored this letter and request. When the complaint was filed, the company quickly responded with XXXX document which was a pdf showing a credit card bill. The bill showed a name and address but no other information validating that this debt belonged to me. Then they proceeded to close the letter out. This does NOT suffice as validation. It is the same tactic that most of these companies use as a quick lazy response to " validate '' a debt to keep them out of trouble. It is not fair to use consumers to have to go through some much heartache to get false unvalidated information from our credit report due to laziness of certain companies. This company either needs to send ALL of the requested validation documentation or remove this collection immediately from my report!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. My latest credit report shows 18 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. Please have these unapproved inquiries removed from my credit report as soon as possible, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2019 I requested an escrow analysis with PennyMac because I was fully aware that I had a surplus of {$2600.00} in my escrow account. PennyMac completed an escrow analysis on XXXX XXXX and has issued a check to me in the amount of {$650.00} leaving my escrow account with a surplus balance of {$1900.00}. 

In accordance with 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts. ( 2 ) Surpluses. ( i ) If an escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to 50 dollars ( {$50.00} ). If the surplus is less than 50 dollars ( {$50.00} ), the servicer may refund  such amount to the borrower, or credit such amount against the next year 's escrow payments. 

My original loan contract signed at closing and the state of Texas does not require me to leave a surplus in escrow.
Consumer complaint received 2018-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation (NC)

XXXX XXXX XXXX Opened XX/XX/2016 {$570.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2016 ( 1 yr, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX
Consumer complaint received 2022-12-27
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: Fidelity National Information Services, Inc. (FNIS) (TX)

To who it may concern I'm writing to get some inquiries investigated received my chexsystem report consumer id XXXX below is a list of inquiries I did not consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please investigate and let me know how you guys did it this is unbelievable
Consumer complaint received 2023-12-28
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 XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account XXXX, has violated my rights. 

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 2022-01-30
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. (OH)

Affidavit of Truth mailed to TRANSUNION in XXXX, PA on XX/XX/XXXX, XXXX pm. USPS certified mailing was delivered on " XX/XX/XXXX, XXXX pm Delivered, Left with Individual XXXX, PA XXXX Your item was delivered to an individual at the address at XXXX pm on XX/XX/XXXX in XXXX, PA XXXX. '' As of XX/XX/XXXX there has been no communication back and they now stand in complete DISHONOR OF THE AFFIDAVIT OF TRUTH. An unrefuted affidavit stands as truth in commerce. ALL inquiries must be removed immediately from my report!!! They are in direct violation of 12 CFR 1102.33. 

These unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry totaling {$35000.00} for each inquiry. The stress and humiliation of this erroneous reporting is harassing and they know it!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I had a mortgage with the XXXX XXXX XXXX XXXX. All payments were to be taken out automatically. XXXX failed to take XXXX automatic payment. It affected my credit history with XXXX, Experian and XXXX. At my request, XXXX contacted the XXXX reporting entities and to " make the necessary amendment to your credit profile. '' XXXX complied. Experian and XXXX did not. I initially lost XXXX points over this. It continues to show up on my credit reports from them. No problems with XXXX. They corrected the error.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 8th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-12-23
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear CFPB, There has been no response from Bank of America to the appended correspondence. Could you please tell me how to proceed? 

Thank you. 


To : Bank of America - Executive Resolutions  <XXXX> Date : XX/XX/XXXX Dear Mr XXXX, In XX/XX/XXXX last year you were able to provide some assistance with my BOA account and I hope that will be the case again. 

As you may see in the appended message, last month I made transfer abroad which, with other banks in the US at least, routinely incurs Withholding tax. My question remains unanswered Whom must I contact, by e-mail, to get a reply? 

Thank you. 

Best regards, XXXX XXXX -- -- -- -- Forwarded Message -- -- -- -- To : XXXX XXXX XXXX Subject : International wire # XXXX Date : Tue, XX/XX/XXXX XXXX XXXX From : XXXX XXXX <XXXX> Dear Bank of America , Thank you for the recent USD wire transfer to XXXX. Can you please tell me why 10 % federal Withholding tax wasn't applied? Isn't this usual with transfers abroad? 

Best regards, XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AL)

I have had this card for nearly a decade and it was closed on XX/XX/XXXX. I contacted them on XX/XX/XXXX to reopen the card. The agent told me a hard pull on my credit was necessary and they might reopen the card in 5-10 business days. I spoke to the complaint manager in the evening of XX/XX/XXXX and he told me they were not going to reopen the card due to adverse marks on my credit report. There is one card since XXXX with adverse information. This card was opened by a family member without my knowledge and later paid off. I have proof from the card holder XXXX stating as much. The complaint manager said I could submit documentation by mail and I will mail that off later today, but I made it very clear I was extremely dissatisfied with this service. I have had autopay on my Citi cards for years and my payments were always timely. One card not even opened by me should not be grounds for them to refuse to reopen the card I've had nearly a decade. Citi also should be required to email/call customers prior to closing accounts. I am in the process of buying my first house and this is my longest line of credit. Losing it will severely impact me negatively in that process. 

XXXX has already corrected this erroneous balance of XXXX and I have disputes with the other credit bureaus in progress.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (OH)

Son had urgent care visit in XXXX of 2020. Insurance was not ran correctly and as such we were charged full amount. We have since communicated with insurance carriers and had placed a hold on the bill to determine if either insurance would cover. I never received notice that insurance was not covering and have now received a debt collection letter from Gulf XXXXoast Collection.
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (MN)

I am filling a complaint with the Consumer Financial Protection Bureau.

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. Reliant Capital Solutions has not provided me with anything to validate this. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. 

On XXXX I received a letter from Reliant Capital Solutions informing me about account number : XXXX in the amount of {$1500.00}. The letter stated that unless I notify offer within 30 days of receiving this notice that I dispute the validity of the debt. Their office will assume that this debt is valid. 

I sent a validation letter to Reliant Capital Solutions dated on XX/XX/XXXX and I never heard back or received any validation that the debt belongs to me. I kept waiting for validation. I will upload a copy of the validation request letter that was sent postmarked XX/XX/XXXX. 

On XX/XX/XXXX, I got an alert from my bank and other credit applications such as XXXX XXXX and XXXX that I had a new collection account that was reported. I logged in and see that Reliant Capital Solutions has reported a collection account to XXXX and XXXX without giving me any validation that account number : XXXX in the amount of {$1500.00} in fact belongs to me. Reliant Capital Solutions has not provided me with proof that I owe this debt, yet they reported the account as collections. This is a clear violation. 

I have no record of owing this debt and would like this to be removed with XXXX and XXXX. I have already contacted and disputed this with both credit agencies and have yet to hear back from XXXX and XXXX.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (IL)

XXXX XXXX XXXX XXXX, I got admitted to this hospital in XX/XX/2022, billed was {$16000.00} and {$5400.00}. I have provided my insurance card. Also my wife call my insurance to be sure that my insurance will cover out of state emergency visit and they said yes. That hospital did not forward the bill to my insurance company but they report it to credit bureau instead. I have called them to resolved issues they response is they dont send out claim to insurance company. Which dont make sense. I have never heard any hospital that doesnt send out bill to insurance company so they can get their money.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data that is hindering my file. it has caused alot of denials an is hindering my report please update that information to correct my credit report.