davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In acordance with Fair credit Reporting Act ; these accounts has violateAd my federal protected comsumer rights to privacy and confidentiality under 15 USC 1681. accounts 1. XXXX XXXX XXXX XXXX , 2.XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4. XXXX Rights violated :15 USC 1681section 602 right to privacy 15USC 1681 sec 604 sec states a cusmer reporting agency can not furnish a account without my written instructions.15USC 1861 ( c, a,5 ) no CRA may make any consumer report contain any information adverse other than record of conviction. 15 USC1681 s-2 a,1 a person shall not furnish any CRA if person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
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. (LA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IL)

This is my formal complaint that your company is in direct violation of the Fair Debt Collection Practices Act, and the Consumer Collection Practices Act in my State. I sent a debt validation request to your office on XX/XX/2021. XXXX Exhibit A ) Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I made a formal request for the verifiable validated proof and/or the original signed certified consumer contract with a wet-ink signature on it of this account that is reporting on my credit reports. A certified original contract to verify this debt. Copies of copies are not considered validation. I believe your firm violated the above act ( s ) as follows : 1 ) Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Collector failed to provide a valid basis for debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumers wet-ink signature ; 3 ) Collector admitted in their correspondence dated XX/XX/2021 XXXX Exhibit B ) that they do not have the original contract or any loan origination documentation in their possession ; 4 ) Finally, the collector failed to provide an affidavit signed under Penalty of Perjury that collector has not violated any portion of the Fair Debt Collection Practices Act. 
You should be aware that reporting invalidated information to major credit bureaus might constitute in defamation of character. 
In my previous letter, I requested that you have the debt removed from the four credit bureaus to which you supplied the information. The account was not removed, this action, as I mentioned, is a direct violation of my rights.

As you have failed to respond to my validation request in 30 days, I am requesting that you remove this unverified invalidated account from all four credit bureaus.

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA.
Consumer complaint received 2015-04-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

i was paying my mortage on time through in my cradit report XX/XX/XXXX XX/XX/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I contacted Capitol One National bank and spoke with a Senior Account Manager, XXXX ID # XXXX. 

I shared with XXXX XXXX that in XX/XX/XXXX capital One gave me a line of credit worth {$3000.00}. Oh I informed her that national banks did not have the power to lend their own credit. That my credit was extended to me. Capital one representative stated that capital one gave me a loan of credit. Which makes no sense considering the definition of credit pursue it title 15 USC 1602F. But I went along with her and said OK if it was a loan where did capital One get the credit too long to me? She stated that the line was credit was given on behalf of capital one that the line of credit was not in tangible cash but it was supposed to be US dollars. 
I informed the Capital One representative that banks were committing fraud by creating checkbook money and intimidating consumers into paying them back in US dollars. I shared that along with other information in regards to the fraud that capital One has been committing. I ended the conversation telling the representative that I would like my balance to be zeroed out. She shared that she could not do that and advised me to send a letter to headquarters in XXXX Virginia. She stated that there was no one above her that I could speak with in regards to this issue and that she would know my account. Which means nothing. When I asked her what she would put on the count she stated she would put that guy did not want to pay the balance. Which is not true, I am willing to pay if capital One can prove that they gave me something. Capital one representative have shared that they gave a line of credit. We know that banks can not extend their own credit therefore my credit was given to me. Before capital One to request that I pay them back something that was mine is fraud in bad business. 


Ref # : XXXX Also, All conversations that I have with Capital One representatives are recorded and I have recordings in my possession. Recordings contain Capital one representatives agreeing to the fraud taking place on behalf of capital one.
Consumer complaint received 2022-02-21
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: NAVY FEDERAL CREDIT UNION (MI)

Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (PA)

This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX, XXXX and Experian is allowing credit card companies who pull back on credit limits ( even when the credit has been managed without ANY derogatory action of the borrower ) to have a detrimental impact on a persons credit score by making it appear that the credit card account is closer to the limit than it would be had the company not arbitrarily lowered it. This is happening to people without any changes to their income, their employment and absolutely regardless of YEARS excellent payment histories. I believe this to be a violation of the Dodd-Frank Financial Modernization Act of 2010. As the lender is lowering the initial limits ( many times without any advance notification to the borrowers ) causing the borrower to APPEAR closer to their credit limits than they actually should be. 
It makes them appear riskier AND can also set off an avalanche effect as other lenders most often follow suit. It causes the GOOD and legitimate borrowers credit scores to plummet, UNFAIRLY COSTING THEM MORE TO SECURE CREDIT ( if they can ). This is absolutely a UDAAP violation and should be stopped immediately.
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

Account name : XXXX XXXX XXXX XXXX account number : XXXX To probity false deceptive practice, the FDCPA outlaws debt collector use of false and deceptive misleading information. It also protects consumers rights. 15 U.S. Code 1681a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. Which mean if I give power or permission. I DID NOT GIVE PERMISSION!

I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer.

I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate ''.

Also I remind you. That you only have the power to verify these account only if I '' the consumer give you permission to verify. I DID NOT GIVE ANY PERMISSION!!
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2022, my friend and I were looking to buy tickets for a concert of our favorite artist. We went to XXXX to see if anyone was selling their tickets for one of the shows and found this one person ( @ XXXX, formerly known as nin__cin__ ) who was selling tickets. We got in contact with them and thought that they were reliable because they sent us proof that they had the tickets. So we sent them {$750.00} for the tickets, including a service fee. They texted us back saying that there was a problem with their bank and that we would get refunded our {$750.00} by XX/XX/2022. Because they seemed so desperate to sell the tickets, they asked if we could instead, send their friend {$350.00} so they'd at least have some payment and in return, we asked if they could transfer one ticket. We still have not gotten the refund or the tickets.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WI)

I have purchase protection benefit with Amex card : I have purchased the item that has been stolen, Amex requested police report. 
Police report clearly stated a THEFT. 

Amex representative had stated it was " mysterious disappearance because police investigator did not examine the purse. 

Police investigator never even ask me to bring the purse into police station or to come in to police station. 

I ask to honor benefit offered under Terms and Conditions.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries 24 with XXXX, 28 with XXXX, and 30 with Equifax as of now. I am currently just starting to understand my credit and really hate this happened to me.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries XXXX with Transunion, XXXX with XXXX, and XXXX with XXXX as of now. I am currently just starting to understand my credit and really hate this happened to me.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (VA)

One Main Financial Initially during the Pandemic I was able to use my unemployment insurance for several months and the insurance paid on my account. My unemployment expired and I was still not working because I'm a high risk candadite for Covid. I was searching for remote work. I sent correspondences trying to negotiate a settlement. I was unsure of when I would be working and I know my funds are still limited I am currently still trying to secure housing and One Main is unwilling to negotiate a settlement. It may be years before I have the funds to pay that debt in full in the mean time interest is being compiled causing me additional hardship. I was told that I could only use my unemployment insurance for a select number of months.
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

When we log into the site it says contact them if our income has dropped due to covid. We let them know. They had us finally upload some documents after months of saying they are still reviewing. This is a blatant lie. What would possibly take so long Just sitting waiting since XXXX Now they are charging is {$15.00} a month for a property inspection fee because they say our account is past due. This company is trash.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (IL)

I was unemployed for a little over XXXX XXXX  following a near fatal motorcycle accident ( a hit and run ) that ended with XXXX broken bones and a XXXX  long hospital stay. Ive had XXXX XXXX  over the last XXXX  months and finally returned end of XXXX to work. Ive been struggling to pay all of my bills and have been denied assistance during this time. Once back at work, I XXXX  XXXX and was unable to work for almost XXXX weeks. I am XXXX  days late on my personal loan with Tower Loan and they have begun to contact my extended family and abusive ex that stole money, belongings, and my cat from me. XXXX told my ex today, Monday the XXXX, that I am in delinquent status on my loan and that I owe them money. He is now holding that over my head as well and making it publicly known.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2024-02-13
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

Aldous and Associates is a law firm supposedly hired by XXXX XXXX. I formerly had a month to month agreement with XXXX XXXX. This gym location closed during covid. 

I never heard of XXXX XXXX and never signed an agreement. i never received notification of the gym closure. 

I requested a copy of the alleged contract from the debt collector but they refuse to provide and request I pay {$180.00}. Acct. XXXX XXXX XXXX Meanwhile, they reported this debt to the credit bureaus causing damage to my credit file.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER EOS ECCA- XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.