davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-11-17
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. (TX)

I sent disputed to XXXX, Equifax and XXXX 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 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 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 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian is not complying with the provisions of Section 611 of the Fair Credit Reporting Act of 1970. I asked for the removal of a XXXX XXXX  bankruptcy from my credit report because Experian has not given me the person or individuals and the court they contacted about this information so that I can follow up on my end.

All I have heard from them is that : '' Please be advised that an internal review was completed and results were mailed to you. '' This is not acceptable.

I have asked for the name, time, and date of the person to whom Experian spoke with concerning this derogatory mistake that is damaging my credit and costing me severe damage to my finance every year.

By my interpretation of Section 611 ( a ), it is understood that failure to investigate this mistake within 30 days constitutes a reason to permanently remove it from my credit file.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting 30 days late ( XX/XX/XXXX ) as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COMENITYBANK/XXXX  ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open COMENITYBANKXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Open XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open
Consumer complaint received 2021-11-17
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports and I would like to request that that inaccurate information reporting on my account be REMOVED IMMEDIATELY. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : Charge off XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX  Account # : XXXX Balance : {$570.00}-
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX at XXXX am I recieved a call from ( XXXX ) XXXX ( wells fargo ). I spoke with the person on the phone who claimed to be from wells fargo XXXX department. They stated that a XXXX XXXX was attempting to transfer {$1800.00} from my account to his through XXXX. The man I spoke with instructed me to transfer my money ( {$880.00} ) to myself through XXXX using my phone number ( XXXX ) XXXX to cancel the pending transaction. I complied as the number was wells fargo 's actual customer support phone number. Once I submitted the transaction it immediately was completed but the money did not re-appear in my account as the man on the phone had stated it would. I later discovered that my phone number was no longer registered to my account and was instead registered to ( I believe ) this man 's account. So despite my intention to send the money back to myself it had instead been sent to this man 's account. I immediately called wells fargo and submitted a claim. 9 business days later wells fargo had completed the case but would not inform me of their decision. 5 business days later I recieved a letter in the mail from Wells Fargo stating that they would do nothing to return the money back to my account stating that the transaction had been completed as intended. They instructed me to contact the person that I had " sent the money to '' under the premise that I intentionally sent the money to them as a transaction for a product/service despite me clearly stating that it was intended to go back to myself. I never broke any codes of conduct with Wells Fargo but they refuse to refund the money back to me. I appreciate the help and look forward to your response.
Consumer complaint received 2021-04-16
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. (NY)

XXXX opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. TransUnion refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (IA)

Hireright provided information about criminal cases that haven't been to court yet, let alone have i been XXXX  of a crime. Hireright also provided a report about my education that they claimed a discrepancy, implying i lied, when in fact, it is their questionnaire that is in error.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XX/XX/2020 I have submitted several complaints about this company and to date they have not responded. They refuse to validate the date, ignore my request for more information as called out in the FCRA continuedly send me excuse about how they purchased the debt but won't send the requested info I asked for and have the right to!
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (NJ)

Received toll violation fees in the mail naming me through an incorrect send address from The Port Authority of NY & NJ. They claimed that I violated their toll plaza and I must pay the balance. In response, I sent a dispute form claiming that vehicle displayed on the violation was not mine. Thereafter they sold the to debt collectors named AllianceOne. This collection company has been persistent in attempt to have me pay a falsely misrepresented debt.
Consumer complaint received 2020-02-19
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. (TX)

My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (AR)

I was contacted by XXXX XXXX XXXX, whom represented Speedy Cash of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX XXXX was not the original third party collector and not the most current but still contacted me as a collector. XXXX XXXX, aka Speedy Cash hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I have received several notices in the mail by this company demanding payment in the amount of {$210.00}. I have sent several letters disputing the charges, with both their client and the collection company via mail and fax ). They have never responded to my dispute, instead they keep sending demands for payment. Today, I received a letter from them threatening to post adverse credit information on my credit bureau reports. I also included a cease and desist. I'm also not entirely sure this is from a real debt collection company.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (PA)

Follow up-to Case number XXXX Complaint filed XX/XX/20 Heard from PNC Bank today. I spoke with XXXX XXXX, Executive Client Relations. Having promised me a fair resolution, back on XX/XX/XXXX, she assured me this matter would be thoroughly researched. In addition, Ms. XXXX promised me, if any reason, I am not granted a credit card, in that she would offer me other options in order to help me pay my medical and dental expenses. Well, that was all a bold-face lie. Ms. XXXX contacted me informing me there was nothing the bank could do for me. Again, all due to my Ch XXXX bankruptcy that has now been discharged for well over a year. MsXXXX XXXX also got the information wrong, where she referred my filing as a Ch XXXX filing and not Ch XXXX. 
Again, I am extremely dissatisfied with PNC and how they consistently mistreated me during this process. This was by far the worst experience I have ever had with any banking institution. When I questioned Ms. XXXX on disclosures, she had no answer for me. That itself is rather scary. Again, I feel very discriminated against by this bank. All due to my past bankruptcy. How incredibly unfair is that? No other bank has ever treated me this badly. I very much want this complaint to go directly to the bank President, Mr. XXXX XXXX XXXX.
Consumer complaint received 2016-02-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

My mortgage note was sold by B of A, who I was working on a modification with coming out of bankruptcy, to Rushmore Loan Management. My mortgage servicer is dual tracking me I have sent in at least XXXX modification applications and numerous support documents. While under the guise of assisting me secure a modification of my loan they proceeded the entire time to push the foreclosure through as evidenced by filing dates on various documents. I need assistance because I want to keep my house. I fell behind because I am unable to work. I have secured a steady income stream and can afford modified payments now for at least two or more years. It has been more than thirty days since I was notified of my complete modification application and required documents being received and I still do not know the status of my request for assistance.
Consumer complaint received 2017-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized Loan Servicing is clearly manipulating what goes to principle and what goes to interest. This is show in their monthly statements. Anybody running a amortization schedule for XXXX fixed rate loan at XXXX term of 180 months amortized over 360 months can not have a payment of XXXX that the entire amount goes to interest. That is mathematically impossible. Yet, my payments does exact that as shown in statement for XXXX XXXX. I am around the XXXX to tenth year of loan. What is prevent this company from saying one cent goes to principle and rest goes to interest. This practice must stop before more consumers are harm by possible illegal practice, which force people into balloon payment when their settle statement might say else wise. This has been going for months
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was negotiating the cost of a puppy online and was requested to use XXXX for the transfer - turned out that the person was scamming multiple people out of thousands of dollars. Wells Fargo offers this service and advertises it as a method to instantly and securely transfer funds. They failed to make it known to the consumer that they offer no recourse for these mishaps and refuse to assist in any way and blame it on its the users discretion whether they review terms and conditions before every single transaction. Not taking into account that not every consumer has the ability to fully access and/or comprehend the details therein.
Consumer complaint received 2020-02-19
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. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2019-08-05
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. (TX)

Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( Experian, XXXX and XXXX XXXX ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to Experian, XXXX and XXXX XXXX on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (FL)

A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine. 
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have 10 days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer immediately.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I was booking a flight on XXXX XXXX, and there was an icon on the screen from Chase to apply for a XXXX XXXX Credit Card. It offered a {$250.00} statement credit after 1st purchase, and XXXX air miles award after {$2000.00} of spending in the first 3 months. I applied for the card, was immediately approved, and used the new account to pay for the airline ticket, which should have qualified as the 1st purchase. Upon receiveing my 1st statement on XX/XX/XXXX, I noticed that there was no {$250.00} credit, additionally that the terms of the offer had changed. The 'revised ' offer was for XXXX air miles after spending {$2000.00} in the first 3 months, and then an additional XXXX miles if I spent a total of {$10000.00} in 6 months, and no statement credit for the first purchase. When I received my statement I immediately called Chase to inquire why my bonus offer was different that what I saw on the website. Additionally, I went on XXXX XXXX website, went through the reservation process, and the same offer that I saw on XX/XX/XXXX was present on the site on XX/XX/XXXX. I asked the Chase rep why my offer had changed, and they indicated that they would have to send a request up to the marketing dept. to check to see what happened. They mailed me a letter dated XX/XX/XXXX, which I recieved on XX/XX/XXXX stating that they would not honor the offer that was present on the XXXX XXXX website when I applied, however they would still honor the alternative offer. I again called Chase on XX/XX/XXXX after receiveing the letter, and was eventually transferred to a supervisor who would not honor the intitial offer, instead she indicated that she would again send the request up to marketing and this would take anywhere from 11-13 days to process. Additionally, she stated that she did not want to do anything about the original offer until I had spent the {$2000.00} ( I had spent about {$1500.00} at this point ) and I explained to her that I was most interested in getting my {$250.00} statement credit now, as I had made a qualifying 1st purchase and the bonus miles were of secondary concern. Upon hearing that I would have to wait another 11-13 days for a resolution to the issue, I instructed her to cancel the card, as I no longer wished to do business with Chase as this is a clear bait and switch tactic.