davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (CT)

On XX/XX/22 I paid my RV Loan from Bank of the West for {$7100.00} via online banking app. I mistakenly ended up double paying because it didn't appear that the 1st payment had gone through. I called them immediately once I noticed that I had double payed and told them of the error. They told me that since it hadn't posted on their site yet, they couldn't do anything about it. They also said that it was possible that the 2nd payment may not have gone through since I had paid off the loan with the 1st payment. They told me to call back when I noticed it posted from my bank. 
On XX/XX/22 I called them back telling them that both payments had been posted to my bank and requested a refund. I was informed that only XXXX of the payments was showing on their end so the 2nd must have been pushed back. I accepted their excuse at the time. 
On XX/XX/22 I called them back once again explaining to them the whole scenario. This time the CS agent asked me to confirm the 2nd payment with a screenshot of my bank account statement showing the posting. I did and he accepted it and told me that they would issue me a check. 
On XX/XX/22 I was told that the check was in the mail On XX/XX/22 I still had not received my check, so I called and once again explained the whole situation. The CS agent told me that a check was indeed issued on the 16th. I asked why it was taking so long and was told that the XXXX is very slow and they have no control over the mail. 
On XX/XX/22 I called them once again since I still had not received my check. At 1st the agent told me he couldn't even find my payment, then he told me that he couldn't find any checks that had been sent. The he said could see a check for {$17.00} and change sent on the 29th. I told him, it was a {$7000.00} check, not {$17.00}. He said that he could only find a {$17.00} check. When I provided the dates that I had called and inquired, he finally told me that yes, he could see that a check was sent out on the 16th. I told him I wanted a stop payment on that check and for them to electronically submit my money to my bank. He told me that I had to call my bank and request a stop payment. I asked him how my bank could request a stop payment on a check they didn't send or even receive? If he was talking about my end of the 2nd payment, I can't stop that, the bank has paid it already. The CS agent was giving me the run around and providing me with idiotic excuses. When I told him that, he told me that I was getting too upset and irate and that he was going to disconnect me. I told him he needed to get to the bottom of the situation and get my check to me, to which he told me again that he was going to disconnect me. So, I disconnected instead since there was no way I was getting anywhere with him.

Also, I am unable to access my online account or my statements through Bank of the West now either.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My mobile app have sending some of my Bills were being Late now for a few months so I went for HELP a Banker XXXX XXXX help me and he changed all my payment dates so no more late payments for my other Bills won't be late but what end up overdraft fees and my Rent payment came out XXXX times for XXXX and they said they could not do nothing so now my account is over drawn and I'm forced to pay my monthly Rent for XXXX ahead of time and I'm forced to overdraft fees I'm on XXXX and no more money for this month Thanks Sincerely every body says they never heard nothing like this and it WAS there doing
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (NY)

My student loans were forgiven by the federal government with a balance of {$0.00} My student loan provider was edfinancial. on XXXX it was transferred to a new service provider XXXX  My balance at edfinacial on my credit report for currently shows 2balances on 2 accounts {$140000.00} and {$27000.00}. They need to be {$0.00} and closed. 
My XXXX account is closed and shows a {$0.00} balance on my credit report. 

I have contacted edfinancial and filed a dispute with XXXX Edfinancial tells me to contact XXXX and wont update my credit report. XXXX won't update the balance to {$0.00} and close. 
Account with edfinaincial is XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (CO)

procollect , inc contacted me stating that i owe {$530.00} for a rental payment to XXXX XXXX on XX/XX/XXXX. The rental was in my roommates name and he handled all payments. When we left, we confirmed all outstanding debts were paid to XXXX XXXX. We both have also never received statements or alerts to the effect of us continuing to owe money to the apt . complex. on XX/XX/XXXX i sent an email to the collections agency to the email they provided requesting proof of debt. no response was ever provided for account XXXX.
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (CA)

On Thu, XX/XX/2022, XXXX I got an email from XXXX XXXX stating that my package has been delivered. When I got home I did not see a package and contacted XXXX XXXX customer support. After speaking with them the customer service rep told me that I will be getting refunded for the missing item. A few days later I get an email saying XXXX XXXX did their investigation and they claim it was delivered by XXXX. After disputing the charge on my Apple card 4 or 5 times I was denied the dispute after providing multiple pieces of evidence as well as a police report from the XXXX XXXX sheriff 's office. The Sheriff cited on the police report as " package theft '' given that the package was left right at the gate entrance where anyone could lean over/ open the gate and take the package. 

XXXX should be held liable as they did not deliver this {$800.00} package to my front door.
Consumer complaint received 2018-03-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial Corporation (GA)

I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

The Credit Reporting company continues to refuse to correct my credit report by ignoring the specifics of my complaint. The have not, even after reinvestigation, deleted the negative report of 90 days late payment. They keep referring to XXXX different accounts numbers and do not address the 90 days late payment, that appears on account # XXXX Department of Education/XXXX. Even after conclusive evidence from documentation send to them. That account was Pay in Full on XX/XX/2015. My credit report shows the same account 90 days late payment on XX/XX/2015. Their own credit report shows that specific account " OK '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX while on XX/XX/XXXX appears 90 days late. How could that be possible? Other Credit reporting Company have make the right correction. Equifax ignores it or flat out refuses to do so. They have not shown any proof of an investigation or how they arrive at that conclusion. In direct violation of U.S. Code 1681i - 611 ( a ) ( 1 ) ( A ) ; ( 4 ) ( 5 ) ( A ) ; ( 6 ) ( A ), ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ; ( 7 ), ( 8 ) ( A ) ( B ) ( C ) ; ( 8 ) ( b ) ( c ) ( d )
Consumer complaint received 2023-01-14
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. (AL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX and Experian are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS ANS RECORDS WERE REPORTED WITHOUT CONSENT.

WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX {$130.00}
Consumer complaint received 2023-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate.

Account Name Account Number Balance Monthly Payment XXXX XXXXXXXX XXXX XXXX {$930.00} XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXNo Data I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXNo Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$1100.00} Original Creditor XXXX XXXXXXXX XXXX XXXX Past Due {$1100.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. 
Sincerely XXXX XXXX
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (DE)

This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!
Consumer complaint received 2023-03-11
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NJ)

A XXXX residential utility account # XXXX was fraudulently opened in my name some time around XXXX. 

I dd not sign up for this account, have never paid on this account, and was unaware of this account. 

I received a bill at my home address in New Jersey dated XX/XX/21 from XXXX stating I owed {$480.00}. Repeated attempts to resolve the issue with XXXX were unsuccessful ; REF # XXXX. 

I was given a supervisors number to assist me in resolving the issue as they confirmed they could not verify the account was opened by me not have I even paid on the account and I live in a state where XXXX does not operate. I was given a Supervisors phone number XXXX. The call was never returned and the matter was sold to a collections agency LJ Ross XXXX Acct # XXXX. 

LJ Ross informed me they would hold off on submitting the debt as in collections status until they could investigate the identity fraud claims made ads I was bale to provide evidence that the debt was not mine. Despite providing all requested information and sending a letter asking for verifiable documents substantiating the account as outlined by the Fair Credit Reporting Act. 

This account is now reported as collections status on my credit reports and is having an adverse affect on my credit score. Up to this point I have had an excellent credit rating. 
I have made every effort possible to substantiate that this is a clear and obvious example of identity theft. 

I need assistance to resolve this matter and have this removed form my credit rdeports.
Consumer complaint received 2023-01-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXX, XXXX. The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.