davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-16
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. (MS)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander targets sub prime lenders through sophisticated technology and prioritizes loans toward people most likely to default. 

Santander targets people who are seen as illiterate and approves of their car loan. 

Santander than continues to change the principal and interest prices monthly, knowing, that people with poor income have a much lower chance of consistently checking their car loans for any inaccuracies and discrepancies.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2021-10-29
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. (OK)

I am a consumer, I am identified in the FDCPA under 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), the fair credit reporting act is intended to ensure accurate and fairness of credit reporting pursuant to 15 USC 1681 ( a ), pursuant to 15 USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am aware that you have assumed a vital role and that you are not a part of government, nor a political subdivision. 
I am a victim of fraud and/ or identity theft. I have not consented to, authorized, nor benefited from the following accounts and inquiries. Block and remove remove the accounts and inquires from my consumer report within four ( 4 ) days pursuant to 15 USC 1681c-2. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}, UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}. The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports.
Consumer complaint received 2019-11-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cottonwood Financial Ltd. (TX)

XX/XX/2019- The debt agency has been reaching out to my contacts multiple times a day, being really disrespectful, yelling at them and leaving mean messages. 
XX/XX/2019- i contacted the agency, questioned why was i never contacted directly, but instead reaching out to my references first. My references have advised me of the contact, i contact the agency directly. And the rep by the name of XXXX was super rude and threatening to file a law suit and even send " documents '' to my place of employment. 
XX/XX/2019- the repeated calls still continued early mornings to my references. I contacted the agency, and she basically advised me that she has no control of how many times this " third party company '' can stop calling. She refused to send me a attempt to collect a debt letter or anything in writing for that matter. And also refused to tell me who is this agency that keeps reaching out to my references multiple times a day. She told me that IF and when i did recieve documents that it would be too late for me to settle my debt. That at that time i would have to settle in court.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (OK)

I checked my credit and Allied Collection service has place a.collection on my credit for {$250.00} They show the account open 3 months ago. I never had any communication with them. I sent them a debt validation letter ( certified mail ) over 30days ago and still haven't received anything I do not owe this
Consumer complaint received 2022-05-16
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. (MD)

The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-05-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 under section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 's 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (TX)

CMRE Financial, XXXX XXXX, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.
Consumer complaint received 2019-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (UT)

On XX/XX/2019 @ XXXX Bonneville collections called my work from XXXX and spoke with my coworkers at that time she broke the fdcpa third party Disclosure and told her she was calling to collect on a Debt
Consumer complaint received 2022-05-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CT)

On XX/XX/2022, Navy Federal Credit Union claims that they have withdrawn my application for a VA XXXX XXXX XXXX due to my failure to provide required documentation. The bank stated that a Notice of Incompleteness was issued on XX/XX/2022. The two issues that the bank claims led to the loan application being withdrawn were my income and XXXX XXXX service information along with an intent to meet the VA occupancy requirement. I consulted with the VA XXXX XXXX XXXX, and was advised that there is no occupancy requirement from the VA for a home loan assumption. Further, if there was an occupancy requirement, then I would have satisfied the requirement since I am currently on XXXX XXXX military orders away from my XXXX which is where the property that I would be assuming is located. 

For the XXXX XXXX service XXXX, I provided the lender with a copy of my XXXX which showed an XXXX date of XXXX. This should have indicated to underwriting that my base pay is stable and reliable. All of the documents that were requested were provided on time or a reference was made to the VA pamphlet XXXX to show where the documents were not required. The lender did not provide any opportunity to submit additional documentation in order to continue processing the application. They withdrew the application without warning and stated that the only recourse would be to restart the application from the beginning and resubmit all of the documents again to underwriting.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MO)

My company had a glitch with direct deposit, so I was issued a paper check. I have deposited several paper checks from this exact same payer before, the funds were all made available to me the next day. I deposited my paycheck, dated XX/XX/19 in the amount of {$2600.00} via mobile deposit. I was informed by the app that my funds would be available next day, as usual. I then received a message from the bank, informing me that my check would be held for 5 days ... no explanation why. I called Simple bank customer support and they were unable to help me, they were unable to stop the deposit process, deny the deposit, close the acount, anything. Every option they gave me involved waiting several days for processing. Both associates were cold, unhelpful and aloof. I asked to speak to someone with the ability to override this and stop my deposit, so that I could make alternate arrangements with my money. They don't allow their leadership to speak to customers and they give their associates incredibly limited abilities and resources to solve problems.
Consumer complaint received 2022-05-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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.
Consumer complaint received 2022-05-18
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I tried to transfer money with Wells Fargo online banking using XXXX to transfer {$1000.00} on XX/XX/2021. The recipient received the email from XXXX that someone was sending money to them, however they never received the transfer. After 3 days, on XX/XX/2021 I filed a claim with Wells Fargo about the unreceived funds and they acknowledged that the money was never posted to the recipients account, however it was withdrawn from my account. I called multiple times to find an update on the status of the claim and on XX/XX/2021 they told me they consider the claim closed and that the money shows it was sent. The money was never received by the recipient and still remains missing from my account. Wells Fargo has told me they can't tell me where the money was sent.
Consumer complaint received 2022-09-28
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. (FL)

CFPB + Experian, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

Experian, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX report dated XX/XX/2022 - copies of everything I mention in the complaint You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.
Consumer complaint received 2022-05-18
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # 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