davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED. 

The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2022-05-13
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. (CA)

Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states 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 2020-12-21
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. (MI)

In response to letter dated XXXX XXXX ( XXXX XXXX XXXX XXXX Account ending in XXXX XXXX Reference Number : XXXX ), My XXXX XXXX limit was lowered from XXXX to XXXX.I was never sent a letter telling me my XXXX account was lowered.I found out my XXXX credit was lowered when i used it at the the XXXX auto XXXX for XXXX XXXX.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my XXXX was converted to XXXX XXXX with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called XXXX XXXX and spoke to customer service and spoke to " XXXX '' CSR , and i stated to her to produce all letters to me for XXXX XXXX XXXX XXXX, XXXX lowering credit limit, etc., that was sent to me and XXXX stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with XXXX XXXX
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Hello, I cant open a checking account anywhere, because early warnings has blocked all the banks to open a checking account for me. I dont know which information they have about me, but the info they are having is totally wrong. Because my phone was stolen and my all the financial apps were in that phone i dont what the stranger did with my phone, i think its a identity theft, and my XXXX XXXX XXXXXXXX account was closed, i had no mistake. Please ask this company to cross check. They want me to give proof but what should i give them? I just want to remove this block from my identity. 
Thank you
Consumer complaint received 2020-12-20
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC. (VA)

I received a letter in the mail on XX/XX/2020. The letter was from Caine & Weiner collections agency stating that I owed a debt that XXXX XXXX representative stated that I did not owe, and the debt was paid in full. I disputed the amount owed in the letter within the 30 day time frame, and the still stated that they did not receive the letter, and that they will not remove the debt from my credit report. 

Caine and Weiner stated that they did not receive any written correspondence from me and that they will not send me a detailed accounting verifying that i owed the debt. I sent them a copy of the letter and they still refuse to acknowledge the letter and remove the debt from my credit report. 

I do not owe this debt, i disputed this debt, twice now, and they are refusing to take debt off my credit report and will not send me any documenting proof that i owe this debt.
Consumer complaint received 2020-12-21
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: STERLING JEWELERS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

In XXXX of XXXX, I opened an account with Jared. In XXXX of XXXX, I faced significant financial hardship and realized I would not be able to independently manage my debts. I contacted XXXX XXXX XXXX ( XXXX ) to help manage certain accounts that I feared I may not be able to manage independently, which included the Jared account. In XXXX of XXXX, XXXX contacted Jared directly and advised that they would be managing the account and presented Jared with a Power of Attorney letter executed by myself. In XXXX of XXXX, Jared verbally agreed to enter into a settlement agreement with me for 3 payments to be sent in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As such, XXXX issued the first payment to Jared in XXXX of XXXX. However, Jared took exceptional lengthy time to execute and return the final agreement ; and subsequently, changed the final written agreement to accept payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. This was after the first payment was issued in XXXX of XXXX per the verbal agreement. Therefore, the second payment was issued by XXXX in accordance with executed final settlement agreement. To date, the company continues to report this account as having late payments from XXXX of XXXX through XXXX of XXXX, for a total of 6 late payments, in spite of the settlement negotiations commencing in XX/XX/XXXX and the initiation of payments in accordance with the agreed upon settlement in XXXX of XXXX. 

I spoke with Jared at length on XXXX XX/XX/XXXX, and Jared refused to acknowledge any part of the settlement agreement reached with XXXX and refused to remove the negative reporting from XXXX, which is inconsistent with the legally binding verbal agreement and final written agreement entered into with the Jared.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

It started XX/XX/2020, I woke up to see my unemployment Bank of America debit card was hacked and {$600.00} was taken from my account. I was confused on how that happened when I had the debit card In my hand and the charge was an ATM withdrawal at a XXXX XXXX. Mind you this is a Bank of America prepaid debit card. How can there be a ATM withdrawal when I have the debit card in my hand! No one has ever used any of my cards. Right away I instantly knew something was not right. Immediately I called Bank of America unemployment and they started a claim to get that money back. The representative explained I will be getting a new card, three days later I got the card and activated it. I was able to get 2 weeks of my unemployment payments with no issues. On XX/XX/2020 I got a letter from Bank of America saying the claim has been closed The date it was printed out was XX/XX/2020 one day after I called about the fraud. I call Bank of America unemployment and they said this is been a known problem and they submitted a complaint for me to have the claim re-open. On XX/XX/2020 I go to login to my Bank of America unemployment website and in red came up to call the phone number on the back of the card, After speaking with useless representatives that kept passing me around in circles and transferring me and hanging up on me no one has helped open my account. I keep getting told there is nothing that can be done. Now I have {$600.00} stolen from my account and I cant have any access to get In my account. How will I get the weekly unemployment claims if Bank of America froze my account and is blaming XXXX? This happening to so many people in XXXX XXXX I am not the only one this is happening to. We need our money! Bank of America needs to be held accountable, this is illegal!
Consumer complaint received 2020-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I went to set up an online account to view and manage my Capital One account. While doing so they claimed that I had two accounts, one with Bass Pro and a second with Cabelas. The Cabelas was opened on XX/XX/XXXX. I did not authorize this account. I called them and they said they would cancel the account. I then contacted the three credit reports and they confirmed that the account was never opened but there was an unauthorized inquiry and the listing of an unknown home address on my credit report. I placed a dispute into all three of the credit reports and they are in the process of investigating the complaint.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

After being a loyal customer and credit card holder for over 30 years at XXXX, they reported me as having a late payment when I was affected by XXXX XXXX on XX/XX/28, while staying on XXXX XXXX, as my home in XXXX has been under construction. I was forced to evacuate, had no service, etc. I made the payment as soon as possible, the account is current, but it caused my credit score to drop by XXXX pts. This is egregiously extreme and unfair. I contacted them and disputed the reporting through XXXX, but they're refusing to do anything as my home address was not considered to be an area that had a direct hit. However, I was not at my home at the time, I was in the middle of a hurricane on XXXX having to be evacuated. I feel this is not fair and was hoping for some type of resolution to this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CT)

Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX 3/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX N 4/. Same as above XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX phone XXXX XXXX XXXX XXXX  XXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-10-19
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: WELLS FARGO & COMPANY (FL)

WELLS FARGO XXXX # XXXX In Accordance with Fair Credit reporting act Convergent account : XXXX, has violated my rights XXXX U.S.C XXXX section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions To add, the XXXX XXXX Wells Fargo ) has no record of these accounts in their system when I called them to verify the information. 

XP/TU/EF Late XXXX : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX CONSUMER DISPUTES AFTER RESOLUTION ; CHARGED OFF ACCOUNT ; ACCOUNT CLOSED BY XXXX XXXX ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES Trended XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Scheduled ( $ ) XXXX - - - - - - - - - - - Actual ( $ ) - - - - - - - - - - --
Consumer complaint received 2022-05-13
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # 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 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.
Consumer complaint received 2019-06-28
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. (CA)

I've made several attempts to correct the issue with the three major credit bureaus. My complaints have fell on deaf ears. I've never had my complaints properly addressed and this is my last attempt trying to correct this issue and having this inaccurate information removed from my file before I seek legal remedies. 

The following items are a result of fraud and having my identity stolen : 1.XXXX XXXX XXXX of CA 2. XXXX XXXX 3.XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX Ive included a certified police report copy of my ID and a bill that was requested to validate my request Experian, XXXX and XXXX have all failed in addressing my complaint.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (DE)

I moved from XXXX XXXX to XXXX, went to XXXX DMV to transfer my vehicle tags and registration and was informed to fill out a " Request For Title From Leinholder/Leasing Company '' which I did and was originally faxed on XX/XX/2019. A few weeks later as my temporary tags are about to expire, I realize my request still hasn't been processed and make multiple calls to Key Bank for details. I'm constantly being told the request is still in processing and end up having to pay for a second temporary tag because what was supposed to be a 3 week process, still has no end date. As the second temporary tags neared their expiration date, I began calling customer service more frequently wondering what was causing the delay. During one of these calls, I was told the hold up was XXXX DMV lost the title. It's now XX/XX/2019 and I still haven't had my request processed, I'm now on my 3rd and final temporary tag. I was told the process would have been completed no later than XX/XX/2019 via XXXX from customer service, but that date has long passed with no resolution. I was asked to fax a second request in order to have a fresh one on file, so faxed the form again on XX/XX/2019. On XX/XX/XXXX I spoke with XXXX and was informed they had everything needed to process request and I would take 20 days. XX/XX/2019 I contact Key Bank and speak with XXXX. XXXX states they sent numerous emails to XXXX DMV and they have not responded, he also suggested I call XXXX DMV and provided me with the phone number. I immediately call XXXX  DMV and the woman I spoke with told me they don't hold liens on titles and if Key Bank lost the title they can send a request for a duplicate which takes 4 weeks. She also looked the vehicle up in the system and said there is no record of Key Bank ever requesting for a title. I now proceed to call Key Bank back, they refused to let me speak to XXXX, but transferred me to XXXX who tried to give me the same " in processing '' story. On XX/XX/XXXX my temporary tags will expire and I will be unable to drive a vehicle I'm currently making payment on due to the negligence of Key Bank not fulfilling a request that should have only taken 3 weeks and currently about to go into it's 6th month with no end in sight.
Consumer complaint received 2022-05-13
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. (WA)

Please remove all fraudulent accounts I have no knowledge of these accounts due to the XXXX data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.
Consumer complaint received 2022-05-13
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. (WA)

Please remove all fraudulent accounts I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC according to FCRA 605b. This information must be deleted.
Consumer complaint received 2020-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.