davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2023-01-06
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: CREDIT ACCEPTANCE CORPORATION (OK)

My husband bought a truck from XXXX XXXX XXXX while I was at work. He got it a few months before he passed in XXXX of 2020. It wasn't even tagged yet due to covid shutting down the tag offices in our areas. I didn't know till after he had passed and I voluntarily surrendered the vehicle and it ended up tanking my credit XXXX points that my name had been forged and it was on my husband 's truck. I sent them an email saying we loved it but I couldn't afford it. They then tried to get my insurance for XXXX worth of hail damage that was already on the vehicle. That got denied then they sold it and want me to pay the difference. I have no job and XXXX kids. I have no extra money to pay the difference is XXXX dollars. Unfortunately I just don't have that kind of money. They sent me a paper saying I'm going to be taken to court but no court date has been set and I am trying to get a home for me an my children and this is really hurting my credit. The place contacting me is credit acceptance corporations. I've tried sending proof of the signatures not matching. That I was at work during this time. I don't know what else to do.
Consumer complaint received 2022-12-31
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (FL)

Asset Care LLC is showing a charge off account for XXXX XXXX on my credit report. When I contacted them via telephone they admitted that it was not XXXX XXXX but a XXXX account for XXXX XXXX XXXX XXXX but they chose to show it as a recent XX/XX/XXXX account for XXXX XXXX on my credit report as a charge off. 

I do not and did not owe XXXX XXXX XXXX any money from XXXX or any other time and they can not and will not provide any documentation on this claim. 

Yet they acknowledged that by law this outstanding balance should be removed from my report at the end of 7 years and that they knew it was from XXXX yet refused to correct the entry or remove it and have damaged my credit with this report. 

They intentionally listed it as current and it would remain for up to 7 years on my report in what is an obvious attempt to extort payment from me to get it removed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NC)

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No?

Please provide the name and address of the bonding agent for ( Truist Bank ), in case legal action becomes necessary : Authorized Signature of Creditor :
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I paid the full amount to the original creditor which was XXXX XXXX and have the receipt showing paid in full but IC SYSTEM don't care and keep posting delinquent on my XXXX  and XXXX  account. They said I should have paid them instead. They are a bad collection agency. XXXX  said they already asked IC SYSTEM to be removed from my credit but they refuse. Please help
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( USAA ), in case legal action becomes necessary : Authorized Signature of Creditor :
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

My account was frozen with no notice or warning. The branch had no explanation and guidance on what to do. I called customer service and they said to go into the branch, I was told corporate would contact me which NO ONE HAS. My money is in there and I am UNABLE to pay my bills to this moment. I was told it would be closed again with no notice from them. Ive only conducted a few small XXXX transactions to family or friends. It is a new account and again no notice of such thing. I am unable to withdraw my money and pay my dues.
Consumer complaint received 2020-06-15
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I reported a case of fraud on my XXXX XXXX  credit card to CFPB, Case # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX  investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX  should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an account with XXXX. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to XXXX. My next payment is on XX/XX/XXXX.
Consumer complaint received 2020-04-11
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. (OH)

I reached out to this company in regards to my XXXX XXXX XXXX XXXXXXXX Credit Account that has 4 of late items on my report.. I have never been late on this account. Also I have a XXXX XXXX Credit card account that shows 5 late payments in which I have never been late on this account either.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (FL)

I contacted Specialized Loan Servicing on XX/XX/2024 at XXXX XXXX Eastern Time and asked to have my same exact autopay updated to a new account number ending in XXXX with no other changes. The agent repeatedly confirmed that my amounts would draw exactly as they had done so, whereby my payments had been pulling a month early. For example, on XX/XX/XXXX, my autopay pulled for my XXXX payment. However, Specialized Loan Servicing did not process this correctly. It is XX/XX/2024 and they never pulled my XXXX autopay for XXXX. Specialized Loan Servicing has done this every single time I have made even the slightest changes to my autopay as chronicled in multiple other CFPB complaints. Specialized Loan Servicing services XXXX of my mortgages and has done the same thing for both of them.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlantic Recovery Solutions LLC (NE)

Atlantic Recovery Solutions contacted me by phone on XX/XX/XXXX regarding a debt that they say I owe to XXXX XXXX XXXX in an amount totaling {$3900.00}. I asked representative XXXX XXXX to send me information by mail regarding the amount in question. He stated that they are not able to send me anything by mail, but " assured '' me it was a valid debt. He sent me a generic email with only the amount of the debt, their account number for me, and their phone number, with no disclosure that I have 30 days to dispute the debt. He also gave me the phone number to XXXX XXXX to call if I want to verify the debt, which only led me to an answering machine. 
I sent Atlantic Recovery a debt validation request letter on XX/XX/XXXX, which I have documentation that they received on XX/XX/XXXX at XXXX. I have received no response and they have continued to call me every day. I called today XX/XX/XXXX, to state that they need to stop calling me, and spoke to XXXX XXXX again. He claimed that they mailed the information I requested on XX/XX/XXXX, which I have not received. He also claimed he has record of speaking to me on XX/XX/XXXX, which is untrue. I told him that they violated the law by not sending the requested documents after the first call on XX/XX/XXXX, that they still have not sent me anything, and that by law I have 30 days to dispute the charges once I receive the documents. He told me that is not true and that they will be continuing to call me. At that point I ended the call.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (CT)

The Upgrade Card is personal line of credit that works like a credit card. The company guarantees that customers will never be held responsible for fraudulent charges. I reported fraudulent activity to XXXX on XXXX separate occasions. The first occasion was around XXXX XXXX XXXX for multiple transactions in the amount of {$490.00}. The second occasion was for fraudulent activity on XX/XX/, for multiple transactions in the amount of {$1200.00}. I gave the company my statement several times on the circumstances surrounding me losing my card. I even went to file a police report on the fraud on XXXX XXXX XXXX. I am not responsible for this fraud, yet the company is still holding me responsible. I need the governments help to get this money refunded to me.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed by some who claimed to do investment in XXXX XXXX. I was made to wire transfer the amount from my Wells Fargo account to XXXX  account where it was sent to the platform called XXXX XXXX XXXX which trade on XXXX XXXX. 
I reported the Incident to the police and both the Wells Fargo Bank and XXXX but have not been helped in getting backy money. 
I lost everything saved and this has cost me huge credit card debts
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (IL)

Mariner Finance in XXXX, IL calls me multiple times about a past due payment ( less than 30 days ). When I explain to them my rights under the CFBP ( no more than 7 calls in a 7 day period or can not call after we speak on the phone ) they tell me I am wrong and can continue to keep calling and will keep calling. They will only stop if I schedule a payment for a later date. 

I will include screen shots of the 3 calls in just the last 24 hours. 

They are terrible to work with when Im just trying to make my payments even if a few weeks late.