davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (SC)

I received a letter from Diaz & Associates dated XXXX requesting payment on a debt supposedly from original creditor XXXX in the amount of {$690.00}. I do not recall a recent or even past account with XXXX or what type of account it supposedly was or when the original account opened. And another company, XXXX XXXX XXXX XXXX, just randomly reported this same debt for {$690.00} and also one for {$720.00} from XXXX to XXXX as collection accounts on XXXX. I have already disputed the XXXX XXXX XXXX XXXX  collection reporting with XXXX  to no avail. I have also submitted a CFPB complaint regarding XXXX XXXX XXXX XXXX. I believe these requests for payment and credit reporting are based on inaccurate and/or fraudulent information. It appears these so-called debts are being transferred from one " company '' to the other very quickly which seems questionable. I doubt these are legitimate attempts to collect a valid debt and want proof to prove otherwise.
Consumer complaint received 2023-03-25
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. (MI)

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX is reporting a 30 day late/misses payment. That is incorrect, I never missed a payment, nor late. I have a XXXX balance. I disputed the reporting with the company and credit bureaus in XX/XX/2018 and it was removed. It was added back to my credit profile in XXXX again. I did not authorize a payment they said was returned and it was returned because there was fraudulent activity on my account and they refuse to properly look into this matter. Ive tried multiple disputes to get this resolved.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I paid a capital one account that wasnt mine and they dont want to take it off my credit report. Im still XXXX XXXX and waiting for my release papers but I got released XX/XX/2017 And Im getting denied for home loans and everything as a result of this error which I need removed.
Consumer complaint received 2022-07-08
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. (PA)

In accordance with the Fair Credit Reporting act, the below accounts have 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. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX
Consumer complaint received 2018-11-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Issue 1 : Navient reported account negative and have a forbearance dated on XX/XX/2018. Correct credit report. Issue 2 : I asked for lower payments and still haven't got it reduce per representative. Issue 3 : This account was list in my bankruptcy discharge paper work and they said it would be off my credit. The cosigner is responsible.
Consumer complaint received 2023-03-25
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)

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO GAVE A PERSON WHO STOLE MY IDENTITY USED MY NAME, PHOTO ID, SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT SECURE WELLS FARGO CARD TRYING TO STEAL MY IDENTITY I am writing to request and initiate a formal complaint against XXXX XXXX XXXX XXXX  CRAS. On XX/XX/2020, I mailed XXXX XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MN)

I closed my XXXXXXXX XXXX card back in XXXX of XXXX, and did mistakenly miss an interest payment ( I believe ) from XXXX of XXXX, therefore interest incurred as well as a late fee. Unfortunately their phone lines had been down all through the end of XXXX but I was able to reach one representative who told me she couldn't help me as my account had been closed. She transferred me to another line that was never answered. 

I then tried to call numerous times, but my calls were always answered by what sounded like an answering machine stating that they apologized for the inconvenience, but we needed to make a payment we could do so by making payments online ... which unfortunately I was unable to do because I no longer had access to the online login function being my account had been closed. During this time the pay by phone function was down as well, so I paid the balance in full by mailing a check on XX/XX/XXXX. My check was cashed on XX/XX/XXXX of {$47.00} and the due date wasn't until XX/XX/XXXX, so I knew this should take care of it. However, I received a statement via email yesterday, XX/XX/XXXX account asking me to sign into my account online and pay a {$2.00} charge - interest from XXXX. I'm concerned that this is going to keep happening if I can't catch the {$2.00} fee, which shouldn't be happening as the account has been paid off - officially as of XX/XX/XXXX. When I paid the {$2.00} fee by phone today with a rep ( the system is back up apparently ) she told me the {$2.00} charge was interest ... I didn't dispute the charge but I am concerned. 

I guess I just wanted to start a record of this in case this continues to happen. There shouldn't be interest on a balance that's been paid off well before the due date.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (IL)

I am appealing to your authority to have XXXX  , Inc. to release confirm or deny that a security freeze has been placed on my credit report.

When attempting to get these results on my own accord by requesting the confirmation that the security freeze did indeed take place, XXXX  refuses to give or provide a definitive answer.

My rights under FCRA allow me to place security freezes on my credit file upon request.

Please assist me as soon as possible in obtaining the necessary contact information in order to place a security freeze with XXXX  and therewith, compelling them to follow the well-known directives from FCRA.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2022 I wrote All three credit reporting bureaus ( XXXX, TRANSUNION, XXXX ) asking to provide verification of accounts with incorrect amounts, open dates and closed dates. The letters along with a copy of of my credit report were sent certified mail. I havent received a response from either bureaus about an investigation being opened nor closed. Attached is a copy of the letters that were sent.
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Have told portfolio more than 5 times to stop calling me and only contact me via postal mail. They keep calling from different ph # s and call almost daily, sometimes more than once per day. Ph # s using : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, including 8 additional ph # s. My phone only goes back to XX/XX/XXXX but since thatdate, they called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX, XXXX XXXX, XXXX. I spoke to them onXX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX  & XXXX  stating to stop calling me as this is harrassment and again requested all communication to be through postal mail only.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! They sold my mortgage to a debt collection agency, not another mortgage lender even though I have great credit. 

Hoping and praying, XXXX XXXX
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I currently have a loan on my credit report that I did not apply for. I contacted Navient and made them aware of the situation, they were unable to provide any proof of signature of me " co signing '' to this loan. The loan appears on my credit report as a loan I co signed on. An ex friend of mine stole my information and used it for this loan without informing me. I did not attend the school the loan was taking out for and never agreed to taking out this loan in the first place.
Consumer complaint received 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX System Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX and 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 2019-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

I have retirement plan accounts through XXXX University at TIAA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). At the end of XXXX, I decided to diversify my investments and chose an automatic option on the TIAA website that re-distributed my money. However, in mid-XXXX because of a change in market conditions, I decided to make my investments more conservative and requested that all my money be put into two bond funds. I then noticed that the money in an account called TIAA Traditional did not transfer. After I complained about this, a customer resolution manager, XXXX XXXX, informed me that because of one mistaken checkmark, they considered that I had effectively signed a long-term 10 year contract to keep my money in this TIAA Traditional account. They say there are no options for removing it to other investments. 

TIAA combines the following elements into a classic gotcha scheme : 1. Design a system that automatically directs customers to invest in TIAA Traditional. Mix it in with other investments that are standard funds which require no contracts. 

2. Trick the customer into clicking on a checkmark and claim that this constitutes a duly signed contract, although they do not have a signature and there is no actual, separate contract. 

XXXX. Hold the customer 's money hostage for 10 years by pretending that the customer has no rights outside of the supposed contract. This particular investment overcharges on fees and pays a poor return. 

TIAA will not : 1. Supply a copy of the contract they claim I digitally signed.

2. Tell me the penalties which apply to breaking this contract.

This is abusive and predatory behavior. I am near retirement age and my son is special needs. They will cripple us with this crazy situation. I have approximately {$53000.00} in the TIAA Traditional account.

There is a class action lawsuit that was filed against XXXX in XX/XX/2015 by XXXX XXXX XXXX because of this behavior, but I do not know the status of this. Here is the link : XXXX XXXX XXXX  Please help me! 

XXXX XXXX XXXX XXXX University
Consumer complaint received 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  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 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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