davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (CA)

I am writing to request the CFPB agency 's hepl. I don't know what else to do. I tried to solve this issue with Ford Motor Credit in the  past but they have failed to give me a fair solution. This company is reporting an account that is related to fraud. 

I tried to solve this issue with them back on XX/XX/XXXX but they did not do anything about it. The account that is related to fraud and that I am demanding to be removed from my credit report is the following : FORD MOTOR CREDIT COMPANY, account # XXXX. Date Opened XX/XX/XXXX. Original Balance {$16000.00}. Balance {$0.00}. Closed. 

I want a fair solution to this issue. I know my rights and they should not be reporting a related to fraud account to the credit bureaus. I am demanding a DELETION LETTER and a notice sent to the trhee major credit bureaus so that account gets removed from my reports. I am having health issues because if this, high levels of stress and other affections. 

If Ford motor credit fails to remove this fraudulent item, I will not hessitate filing suit, since they have committed multiple violations. It's been more than 60 days and they have failed to investigate the account or mark the account as disputed after they received my dispute notice on XXXX  of XXXX. Also, they have faild to send me a debt validation that I requested. This is another violations under the FCRA. 

I hope to have a positive answer and I know that once I speak to my attorneys, the list of violations will go up. 

See attached : letter sent to the company on XXXX of XXXX, proof of fax and FTC report. 

Thank you!
Consumer complaint received 2019-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On multiple occasions I have sent the attached letter to Transunion stating " According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see VERFIABLE PROOF ( an ORIGINAL CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your FAILURE to POSITIVELY VERIFY these accounts must be removed and if you are unable to provide me a copy of VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. '' The accounts I am addressing WITH PROOF of letters from the companies are XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have separated and reported separately the XXXX XXXX ACCOUNTS with legal documentation. 

You will see there is NO PROOF OF A CONTRACT, NO PROOF OF MY SIGNATURE, ACCOUNTS TAKEN OUT NOT USING MY FULL NAME AS I USE WHEN APPLYING FOR LINES OF CREDIT, NO PHONE RECORDING OF ME ASKING FOR A LINE OF CREDIT, NO VIDEO SURVEILANCE OF ME APPLYING ONLINE FOR A LINE OF CREDIT. 

How then, with this proof, is TRANSUNION VERIFYING 100 % that these are indeed my accounts. THEY CAN NOT and the proof is attached. Statements, payments made by someone, goods received by someone, does not constitute legally that these are my accounts. 

PLEASE SEE DATES ON LETTERS : XXXX  XXXX XX/XX/2018, XXXX   XX/XX/2018, XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

All three credit reporting agencies have listed a " charge off '' account from Navy Federal Credit Union. I contacted XXXX in regard to the dispute I filed with them only to receive they investigated and found this was my account. I do NOT dispute that. 

Problem : I keep getting letters and emails from NFCU and of just this week an email from a man to contact this such and such number with extension number. I call that number with the extension and all I get is an arrogant and rude person working in a collection call center. When I ask for this person they want my life history. Sorry, I am not giving them all this information so they can try and talk with me. I have written, called and have asked the credit reporting agencies to help me bring these people ( NFCU ) to the table to discuss this matter. I have offered in writing to NFCU a financial settlement, to no avail. 

Please help me here. My credit is being dragged down because of this banking institution.
Consumer complaint received 2022-12-01
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. (IN)

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MS)

I have 4cards that use the same company. Commenity bank. I have had problems paying my bill due to being let go from my job and trying to catch up. This company claims I have a {$300.00} dollar balance on a card with XXXX. I do not I paid that card off and never used it again. Nonetheless this company has continuously harassed me by calling multiple times a day for months and even reaching out to estranged family members and letting them know I was in debt and that they were looking for me.
Consumer complaint received 2023-02-10
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: CONTRACT CALLERS INC (IL)

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed.

15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information. 
They never properly verified account. 

Contract caller Inc. 
accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (TX)

Received a call XX/XX/2018 at XXXX XXXX stating they were attorneys attempting to collect a debt and stated that I was on a time limit and if I did not act that I would be taken to court. I stated that I am unable to pay balance due to not working. They insisted I owed I requested they mail out information on debt. they stated they dont do that.
Consumer complaint received 2022-12-01
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)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$330.00}
Consumer complaint received 2022-12-01
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. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Company name : Resurgent/ Lvnv Funding. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original creditor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, XXXX XXXX is trying to collect on this account twice.
Consumer complaint received 2023-03-27
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (NY)

I contacted equifax and sent multiple disputes regarding these unauthorize inquiries and i keep getting a general answer and they won't provide method of investigation and verification for these unauthorized items on my report. i want these items deleted because they are not authorized. 

XXXX XXXX Auto Financing XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2021 Equifax
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (OR)

My homeowners insurance policy (dated XX/XX/XXXX - XX/XX/XXXX) with XXXX was cancelled due to Regions Mortgage (XXXX XXXX prior to XX/XX/XXXX) failure to pay the premium. They then deducted $XXXX  from my escrow account for forced-placed insurance. My loan originated in XX/XX/XXXX. Regions Mortgage failed to pay the homeowners insurance due in XX/XX/XXXX and XX/XX/XXXX. Although they claimed to have paid it, they did not provide proof of those payments. After multiple attempts and countless hours on the phone with customer service, they eventually credited back the premium amount to my escrow account and reissued payment just days before the policy was going to be cancelled again in XX/XX/XXXX.The same issue for the previous year has yet to be fully resolved. My statement shows both a premium payment and the additional $XXXX was paid out.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (CA)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Appeal # # # # to the consumer financial protection bureau from bank of America 's fraud research done by XXXX XXXX letter dated XX/XX/XXXX to the cfpb ( See complaint attachments # XXXX on my complaint to cfpb ) XXXX states after intense research of fraud and suspicious activity on all my accounts Bank of America records show on the XXXX account That there were only XXXX bank of America cards opened and issued on this account of XXXX Card # XXXX in late XXXX XXXX present day And in XXXX. Card # XXXX for temporary card closed after 30 days. 
On XXXX boa bank statement ENTRY OF ATM Card REPLACEMENT FEE {$5.00} on XXXX XXXX XXXX I need the following follow up documents from XXXX fraud research on my account as per boa THE ORIGINAL SIGNATURE CARD OF THE OPENING OF THE XXXX ACCOUNT as promised 3 months ago by XXXX. 
# XXXX WHAT ATM CARD # WAS ISSUED FROM BANK IF AMERICA FLORIDA ON XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Hello long story short, ShellPoint Mortgage cash my mortgage payment and didn't apply it to my mortgage account. During this time my mortgage company B4 were filing bankruptcy and I was behind Abt 2 mths. So I mailed a check for Abt XXXX to get me caught up an ahead. An ShellPoint cashed my check and pocket my money.. so when I got the first letter I told him that I was going to go to the bank and see if they cashed my check well the bank gave me copies and someone from SharePoint had cashed my check so I asked the lady what happened, she said yes I see someone cashed your check but I don't see where they put the money at, so I told her I wasn't paying another XXXX for y'all 's fault, so about a week ago I get another letter and he says that they were going to put my house in foreclosure for the money that I have already paid. They also added it into my mortgage payment every month. My payment is XXXX a mth. They got XXXX a mth.And I know that that's against the law and it's something to be done about that I've tried to work with them but just because I'm old they trying to get over on me can someone please help me or point me in the right direction for help thank you so much.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CT)

I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (WA)

The company - United Collection Bureau ( UCB ) - has called me over and over looking for some guy named XXXX XXXX. That is not my name and I have no idea who he is. Today I was called by " XXXX XXXX '' who admitted that he could see that they called me three times in his records, and I had him put me through to his boss XXXX XXXX, the Director of Operations. She listed her number as XXXX. Each time they call me, I explain that I do not know this person named XXXX XXXX, and each time they say they will " remove my number '' and not call me again. And then they keep calling. Day, night, while I am at work. It has gotten so bad that I have stopped answering my phone completely unless I am expecting a call ( today I was expecting one from my doctor ). This is a nightmare, and I wish I could just easily change my phone number but I can not. Please help me make them stop!
Consumer complaint received 2021-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

My identity was stolen while I was encarcerated, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not encarcerated when in fact I showed them proof of being encarcerated on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.