davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
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. (NC)

In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX network breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Consumer complaint received 2021-11-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information in my credit report., I am distressed that after several attempts to have this information properly justified, Experian continue to include the information below in my credit profile. Experian has failed to maintain reasonable operation procedures to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information did not meet these standards. 

US BKPT CT MS XXXX, ID # XXXX, Amount- {$000.00}, Date Filed-XXXX, Status- Chapter XXXX Bankruptcy Discharged Therefore. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The item above I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. 

As documented on XX/XX/2020, the court stated on the phone to me that they do not disclose such information to credit agencies such as XXXX, XXXX, and Experian., and referred me to their website policy indicating the same in writing ( a copy attached to this dispute ). And due to the court admitting that they did not disclose this information to any credit agency, the credit agency in questioned has failed to provide proof that this account belongs to me, and I demand that this information be removed. 

Please delete this misleading information and supply a corrected credit report to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (IL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have all 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.
Consumer complaint received 2022-11-26
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (TN)

I am writing to file a formal complaint against BMO BANK regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified BMO BANK that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BMO BANK has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BMO BANK complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me.

Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by BMO BANK.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/2022 I applied for a credit card through capital one. I was approved for a quicksilver secured XXXX and needed to make a deposit of {$200.00} towards the card to receive it in the mail. I entered my savings account number and the {$200.00} was taken out of my account. When I called to change the mailing address for the credit card, capital one claimed, there was nothing under that name or social security number. After a week of calling capital one every day and getting no help, Im deciding to put this into my own hands as fraud or neglect because the {$200.00} was already taken out of my savings and capital one cant seem to find anything in my name.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (FL)

I have been banking with the bank for more than 4 years during this time unfortunately my account was compromised several times and I reported it on time to the bank. Followed there dispute process and everytime the disputes were resolved under my favor. 
My monthly salary and my late husbands pension gets transferred to this bank since then. And this is the o my bank I have as my primary bank. All my direct deposit is and ach towards rent bill pay and autopay and insurance goes from this. 
Suddenly bank decieded to close the accounts stating banks decision. 
This has created a huge turmoil within my financial transacting position. My payroll and all other deposits are affected and am not able to get my banking done. 
I have been emotionally stressed and need urgent help.
Consumer complaint received 2021-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am XXXX XXXX and I'm submitting this complaint my self and there is no third party involved. 

I XXXX XXXX consumer, natural person and original creditor of an open end credit plan, was denied my right of credit by American Express. 

I was notified of the transgression of my rights specifically 15 USC 1601- The Truth in Lending ACT by American Express on XX/XX/2021 via U.S Mail. 

In order to evaluate my credit worthiness American Express obtained information from a third party who had no permissible purpose to furnish a consumer report. 

Pursuant to 15 USC 1681b ( 2 ) a consumer reporting agency must first obtain written instructions from the consumer to whom the information relates in order to furnish a consumer report. 

As a natural person possessing an open-end credit plan, I was harmed by American Express in the form of an adverse action taken against me by denying my rights as a consumer to benefit from a consumer credit transaction.

Pursuant to 15 USC 1681m ( b ) ( 2 ) ( c ) ( ii ) information used to take an adverse action does not include information in a consumer report.

It would be a violation against 15 USC 1691 to discriminate against me simply because I exercised my rights as a consumer under Title 15 USC chapter 41.

The civil damages for such an action pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) are up to ( {$5000.00} ). 

The civil damages for any violation of 15 USC 1691 are up to ( {$10000.00} ) American Express is now civilly liable to compensate me for the damages.
Consumer complaint received 2021-11-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

SPS Refuses Mortgage Payment SPS XXXX XXXX XXXX XXXXXXXX XXXX ( 2 minutes ago ) to Ombudsman SPS does not have a brokerage license and therefore is a collection servicer for XXXX XXXXXXXX XXXX XXXX SPS can not change the terms of the mortgage loan. 

SPS is not accepting payment for mortgage. 

SPS refuses to unlock client 's account and allow correct payment of {$450.00} SPS has changed contract without notice and current signature of client. 

SPS is in violation of Modified Order XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to Ombudsman Hi, SPS stopped my escrow account this year and sent me a refund. Now SPS is attempting to charge me for said escrow. Without telling me you opened another escrow account. 
I am continuing with the " escrow account closure by SPS. '' I am not opening another escrow account or any account with XXXXXXXX XXXX XXXX XXXX or any other bank. This is theft of money and I have sent the Colorado AG office a copy of this. I DON'T HAVE AN ESCROW ACCOUNT WITH SPS. SPS CLOSED THE ESCROW ACCOUNT AND SENT ME A REFUND AND NOW ALL OF A SUDDEN WITHOUT MY KNOWING THEY OPENED ANOTHER ONE. I DO NOT OWE SPS ANY MONEY OTHER THAN A MONTHLY PAYMENT. SPS STOP STEALING FROM ME ONCE AGAIN. 

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX SPS is Refusing my payment XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Ombudsman Given that SPS is refusing my payment, I notified the Colorado Attorney XXXX office. 

If SPS continues to refuse my payment I will take that as SPS is committing theft and will respond legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX
Consumer complaint received 2021-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A couples of weeks ago. I called Transuion XXXX Asking about my credit score and why it is so much lower than XXXX. I was told by the person on the phone that my last 4 digits is being used by someone else. Supposedly they fixed the problem and said I shouldnt have any more issues. Recently I tried to make a pay pal account and was denied and the letter I was sent stated Risk of invalid Identity.I have never had this happen before. I obtained Transunion number from the internet but feel that was a fraudulent company I was speaking with.
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (AL)

The XXXX XXXX acount that is on my Experian report was to be removed as it was a fraudulent account. and I was found not responsible and to have it removed from all three credit beaures.
Consumer complaint received 2021-07-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XXXX I purchased a vacant lot in XXXX XXXX, FL for purposes of investment. The purchase price was {$340000.00}. I made a down payment of {$82000.00} and received a mortgage of {$260000.00} from Fifth Third Bank. Initially my monthly payments were {$1600.00}. I had hoped to sell the property within a relatively short time. It was at this time that, due to severe storms and other factors, that property values in Florida were dropping sharply. As a result I continued to make the payments in the hope that values would rebound. 

In XXXX, XXXX Fifth Third Bank increased the payment amount to XXXX XXXX/month. At this time the country was experiencing a major financial crisis and property values XXXX were plummeting. I requested some relief and Fifth Third reduced my monthly payment to {$1000.00}. As the financial crisis deepened I approached Fifth Third seeking relief in the form of a short sale. In hindsight I am constantly regretting that I did not let the property go into foreclosure.

To summarize, a short sale was executed with the proceeds going to Fifth Third. I then, not being a sophisticated real estate investor, unwisely signed a promissory note for {$160000.00} with payments of $ XXXXmonth for 300 months beginning in XXXX, XXXX. At this time I was given verbal assurances that a lump sum payment ( at a greatly reduced amount ) could be made in the future to satisfy the agreement. I made the monthly payments faithfully for 10 years. During that time, as I was reviewing my documentation, I found a promissory note for another Fifth Third client which provided terms much more favorable than those provided to me. I contacted Fifth Third regarding this matter and was told that " each individual 's circumstances were different '' and that they would not be offering a revision of terms to me. At this time I asked about the possibility of a lump sum settlement. The " offer '' from Fifth Third was payment of the entire outstanding balance. Some deal! 

This brings us to XXXX XXXX at which time I was concerned about my family situation. My oldest daughter has a XXXX year old son who has a XXXX XXXX which will confine him to a wheelchair for the remainder of his life. My son-in-law was faced with the possibility of job and income loss and I wanted to be able to provide financial assistance. The {$530.00} monthly payments to Fifth Third amount to approximately 15 % of my income. I made a written request to Fifth Third for a modification of terms. Their response was negative. I have suspended payments and Fifth Third has referred the matter to a collection agency. 

I am XXXX years old, a Veteran and was XXXX  last year with XXXX. I will greatly appreciate any assistance from the Consumer Financial Protection Bureau. I can provide substantial documentation relative to this matter including a copy of the promissory note which provided far more favorable terms to another client..
Consumer complaint received 2021-11-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX  XXXX  is XXXX  credit card which was transferred from XXXX  . This account is reporting various erroneous open dates and its reaching an account which was discharged through Chapter XXXX. Then tried to Chargeoff account which was purchase by another lender XXXX XXXX, XXXX  which dont have this account.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. The effects of this matter have been causing me severe health problems and difficulties in my marriage. Equifax is now negligent in failing to comply with

t he U.S. Codes of Law. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX  on XXXX ( report # XXXX ). According to my most recent XXXX  credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Consumer complaint received 2021-11-12
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)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX & XXXX the collections have been reported as past due balance. I do not know this company. I have never done any business with this company. I have sent several debt validation letters to this company and requested a contract with my wet signature on it to be sent to me to me and they have failed to do so every time.