davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (TX)

I called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.
Consumer complaint received 2018-10-23
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 have disputed this charge off on this CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-23
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. (IL)

I have two identity theft FTC case numbers XXXX and XXXX. 
I have sent Equifax original report on or around the date of XX/XX/2018 and I also sent very strong supporting documentation between the dates of XX/XX/2018 - XX/XX/2018. I know Equifax received all documentation because I sent it certified mail and USPS has confirmed its delivery. According to FCRA/ FTC a fraudulent account must be blocked in 4days by CRA XXXX Both XXXX and XXXX have blocked these accounts immediately. Equifax continues to break the rules and not abide by the rules of the U.S. government. You would think a company that leaked millions of peoples identities would have tried to fix its consumers relationship but I see there deceptive practices continue on. Remove this information immediately I have reports attached with rules of law and regulations of identity theft please review immediately.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF THE WEST (GA)

I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!
Consumer complaint received 2022-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-07
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Late Payment {$12000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection {$810.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$5600.00}
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I communicated with 4 employees at Experian because I have a Credit Check account through XXXX. I got divorced and my last name changed, which is changed at XXXX but not on my Credit Check account. I called simply to change my name and provide whatever is needed in terms of documentation. 
Employees were not aware of relationship with XXXX, could not locate my account and did not offer or provide any method for me to correct my name on my account.
Consumer complaint received 2018-10-22
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. (IL)

Complaints were submitted to TransUnion on three ( 3 ) separate occasions with no response. 

After submission to CFPB to rectify, you sent a response from TransUnion indicating that they have requested an additional 60 days. Below is my response to you. 

I RESPECTFULLY DEMAND THAT THIS OVERSIGHT ENFORCEMENT AGENCY COMPEL SAID CRA TO MEET COMPLIANCE OF ALL SECTIONS OF THE FCRA IMMEDIATELY. 

I FURTHER OBJECT TO THE CRA REQUEST FOR AN ADDITIONAL 60 DAY EXTENSION. SUCH REQUEST IS OUTSIDE AND VIOLATES THE FCRA 611 ( a ) AND OR 611 PARA. 5 IN WHICH CITES ; CRA HAS 30 DAYS FROM THE DAY OF RECEIPT TO VERIFY OR DELETE THE INACCURATE, INCOMPLETE, UNSUBSTANTIATED  RECORD. 


RESPECTFULLY SUBMITTED XXXX
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OR)

In late XXXX of 2018 I saw an advertisement for opening a Citi Checking account. The terms were to open a CitiBank Account Package between XX/XX/2018-XX/XX/2018 and within 30 days deposit {$15000.00} into the checking or savings with a minimum of {$1500.00} in the checking and a minimum of {$100.00} in the savings. It also states I must maintain the {$15000.00} balance for 60 days. If I do those things then {$400.00} gets deposited into my account. I have attached a screenshot of the offer details. 

In early XXXX of 2018 the checking and savings accounts were funded. The checking was fully funded with {$15000.00} on XX/XX/2018 while the savings was fully funded on XX/XX/2018 with {$100.00}. 

Using XX/XX/2018 as the start date, 60 days from then is XX/XX/2018. 

On XX/XX/2018 I opened a chat session with a Citi representative about an update on the offer. They said I had to wait an additional 90 days after the initial 60 days which is XX/XX/2018 which I had surpassed. 

The Citi representative opened a case ( # XXXX ) on the same day to investigate. On XX/XX/2018 I chatted with another Citi representative to get an update and they said the case is still open. 

It is now XX/XX/2018 - nine full business days after the case was opened - and I have yet to hear anything back. I am getting the feeling I am not going to ever hear back from them. 

Thank you for your help in this matter.
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting actXXXX 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 15 U.S.C 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 2018-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC (NY)

This company called an old acquaintance of mine who has never lived at the same address as me. A representative of this company disclosed the alleged amount owed and to whom I owed it to before even validating the debt. They can not tell where or from whom they received this contact information. They can not tell me from who or where they received this contact from. They have information about me unrelated to my alleged debt that they are using solely to Bully, intimidate and harass me. This is unethical and unlawful.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MA)

Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. My name is being confused with another XXXX XXXX XXXX. My DOB is XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong. The following addresses are not my please delete they are not mine they are inaccurate. Please remove delete that following addresses : XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I have some account the I need absolute proof that they are my because of the previous confusion with another XXXX XXXX XXXX. 
The reason for my dispute is 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 required to notify me no later than  30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623 , subsection ( 7 ) ( A ). However, in my records I am unable to  locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, the major of the account that appear have failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809. I am in need of a re-investigation to account for the confusion and possible fraud as well as unverified accounts. please send a copy of the Creditor Disclosure form I have attached along with any copies of a contract agreement with my signature.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (GA)

This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting Act XXXX Account Capital One Credit Card, has violated my rights. XXXX & XX/XX/XXXX and XX/XX/XXXX. 

15 USC 1681 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NJ)

I Requested a Covid Forbearance in XX/XX/XXXX. I ended my forbearance in XX/XX/XXXX and applied for a loan mod. The bank approved my loan mod with lower payments and completed the partial claim to place a portion of my balance to the end of the loan per FHA guidelines.I had a {$1000.00} in suspense. When they approved me for the loan mod they told me I had to pay ( 3 ) trial mod payments and since I had {$1000.00} in suspense it could be used towards my first mod payment. I was dealing with a manager XXXX who was kind enough to help me get everything set up. She told me my first mod payment would be {$1400.00} but they were using the {$1000.00} already in my suspense bucket so all I had to pay was {$420.00} which I paid. Since then I paid all of my trial mod payments and my XXXX and XX/XX/XXXX mortgage payment. As of today they still have not processed my loan mod in their system I can not make my payments online I do not have online access and they have all my payments in the suspense bucket. I have {$7100.00} sitting in suspense. What makes it bad I get a call from XXXX at M & T bank and tells me I am due for my XX/XX/XXXX paymentI told him absolutely not I am current and owe my XXXX payment. He then said that when I made my first mod payment I was not allowed to use my money that was in my suspense bucketnow I am very angry that was my money I paid during my Covid Forb that loss not told me could be used for my first trial payments. Something has to be done one hand does not know what the other hand is doing and I am tired of being harassed. please help me or do I need an attorney
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

Background : I am an XXXX XXXX XXXX XXXX, I was a former XXXX Customer from XXXX to XXXX when I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Due to the length of the assignment ( 36 months ), I contacted XXXX  in XX/XX/XXXX and provided them with a copy of my XXXX XXXX assigning me overseas and asked for them to close my account without penalty according to the law which they agreed to do so. Fast forward to summer XXXX after finally returning from my overseas assignment ( XX/XX/XXXX ),  while reviewing my credit report with XXXX, I found out that sprint had referred my account to a collection agency for a debt of {$720.00} said to have been occurred in XXXX. The collection Agency then referred my account to the credit bureau for collection. I immediately lunch a dispute with XXXX  File # XXXX and provided all available documentation. I won the dispute and had the collection removed from my credit report. Issue : Today XX/XX/XXXX, while checking my annual free credit reports with XXXX, I saw another collection this time from a different collection agency DIVERSIFIED CONSULTANT but it is the same XXXX account XXXX ( $ {$720.00} ) posted last month. I recall a representative from this company harassing me over the phone trying to have me pay this debt after giving them a background to the situation they threatened to report me to the credit bureau and sure enough, they did. I have initiated a similar Dispute with XXXX  ( pending adjudication ).
Consumer complaint received 2022-07-05
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)

In accordance with the Fair Credit Reporting act 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 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 2019-03-28
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: NAVY FEDERAL CREDIT UNION (SC)

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and NAVY FEDERAL CU was no successful resolution. NAVY FEDERAL CU was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018 2018
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY INC # XXXX, # XXXX, # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.