davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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. (NV)

Take note that I did not sign up for an account with XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX   ( Original Creditor : 11 XXXX  ) XXXX
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MA)

Hi, The attachment documents definitely don't verify the debt on documentation with Chase and it doesn't make sense. How can I settled the account on XX/XX/XXXX but it was charged off on XX/XX/XXXX. No way this can be validated method of verification or proof of required documentation. 

On XX/XX/XXXX i wrote to them this below ... .. 

Chase Credit Card Services Attn : Consumer Dispute XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX RE : Acct # XXXX it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. Your agency has " CO '' listed several times on my credit report which is a major violation of the FCRA. Also it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. 

Dear Manager : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 
Sincerely yours, XXXX
Consumer complaint received 2023-05-23
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. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2021-05-11
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: EQUIFAX, INC. (MD)

Violation of HIPPA Regulations I sent a debt validation letter to XXXX XXXX XXXX , XXXX, and the company has failed to validate my debt. Instead they sent me a list of medical procedures ( copy enclosed ) which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing XXXX XXXX XXXX , XXXX, to have access to this information, and no copy of such authorization bearing my signature has been provided to me because none exist. XXXX XXXX XXXX , XXXX, has violated my HIPPA rights.
Consumer complaint received 2024-02-14
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. (NJ)

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  Certified Mail # Attn XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer XXXX disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX, Amount {$1500.00} XXXX XXXX ( All Rights Reserved )
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My minor son was robbed at gun point and was forced to make ATM and XXXX transactions for {$4400.00} against his will on XX/XX/2019. I contact the police and provided evidence proving he was robbed. Bank of America and XXXX XXXX XXXX responded to him and I saying we were responsible for fraud and closed the account. I reached out to the Bank of America and XXXX XXXX XXXX again on XXXX XXXX, asking them to reopen the case for review, and as of this date we have not received a response from Bank of America. This incident has affected me. I am a victim not a criminal. As of this date, I still have an active account with Bank of America with all access. However, Bank of America have notified other banks not to bank with me. I have been with this Bank of America for at least 10 years and is currently using this bank now.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

Noticed there was a forged check that someone used mobile deposit to withdraw {$1500.00} on XX/XX/2022 around XXXX PM~. 

Called VyStar to start process of forgery. Paperwork was done incorrectly, was also told I need to go in on Saturday XX/XX/XXXX to sign paperwork for forgery. 

Signed paperwork for FRAUD, which was not the correct paperwork. 

Called throughout the week of XXXX XXXX multiple times per day. Spoke to different agents each time. Every single one said they would call me back with an update. I never received an update. 

On XX/XX/XXXX, a phone rep. finally told me that my paperwork wasn't done correctly and that I would have to go into the bank AGAIN to sign the correct paperwork. 

Called police and filed a police report about the incident as of XX/XX/XXXX evening. 

Went in on XX/XX/XXXX. Signed proper documents. Vystar Manager tells me " Yeah my notary expired HAHA so we'll have to do it Monday, sorry! ". 

Called the XXXX XXXX location on XX/XX/XXXX 6 times with no answer/call back. Unable to confirm if my paperwork has been submitted. 

Called general help line XX/XX/XXXX, 3 times. Hung up on after holding for XXXX minutes. Finally waited XXXX hours to be told the paperwork has yet to be submitted for forgery. Vystar rep said he would call me back later today with an update after not being able to contact anyone at the XXXX XXXX location.
Consumer complaint received 2021-05-11
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 (AL)

I checked my credit report on credit karma and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Capital one bank XXXX XXXX Capital one auto financing XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I've contacted the Bank of America on this issue stating I did not make and authorize the inquiries listed on my credit report. I received correspondence saying they are not deleting the inquiring. this company does not have a permissible purpose and they are violating my rights and the law! please see attached letter
Consumer complaint received 2021-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

U.S bankruptcy Court ( XX/XX/XXXX ) ref XXXX and XX/XX/XXXX ( ref XXXX ), XX/XX/XXXX ( refXXXX ) I have tried to dispute using a letter and I have called several times about these bankruptcies on my credit report, and no response these bankruptcies were taken off my XXXX  credit report. but they still exist on my TransUnion
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2018-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering. 

XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT
Consumer complaint received 2022-07-06
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)

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 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. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX XXXX XXXXXXXX Experian- XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IA)

On XX/XX/2019 I submitted a puchase dispute to Synchrony bank for 2 services both from XXXX XXXX XXXX one for {$420.00} and the other for {$530.00}. I told them I was not happy with the service provided and wanted to use my right not pay. The clinic called me and argued with me for god knows how long and did not want to make it right with me. I then get a dispute resolution letter stating my dispute had been researched and resolved but here I am still stuck paying for something I was not one bit happy with.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (NC)

I bought home in 2007 and financed with first and second mortgages from Flagstar. I decided to short sale home in 2011. Flagstar dragged out the process and now I know why because of the fine assessed by CFPB for illegal practices last year - just read. Anyway, Flagstar eventually after about 6 months of haggling ( losing mulitple buyers etc ) approved my short sale. One stipulation of their approving my short sale was that they forced me to sign a promissory note to continue paying about 60-65 % of XXXX mortgage back ( & gt ; $ XXXX ). I would like to know if I have 1 ) any rights to the ordered settlement they have to pay and/or 2 ) the ability to have the promissary note cancelled? I think I have grounds for some type of settlement and will consult with an attorney but wanted to also submit complaint. 
Thanks
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
Consumer complaint received 2019-08-07
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. (SC)

The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BHFC Financial Services INC (AZ)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.
Consumer complaint received 2022-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau, I intend to keep a log of any correspondence from your agency made after receipt of this.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NY)

Please see and process our complaint against the above referenced collections agency and health insurance company operating within your jurisdiction. 

As per the attached, now our baby infant son XXXX XXXX has been referred to the XXXX XXXX XXXX XXXX XXXX collections agency, and this really XXXX me off. 

We could be patient before with delays/lacks of payments on already approved claims, while we dutifully pay approximately {$1300.00} per month without fail XXXX not easy ) but now these people are ruining our little baby 's life and credit. 

Please get them to pay this bill, as well as all of the other ones that were approved and in cue, so that no further collections letters are forthcoming, no one 's credit gets hurt/ruined, and to avoid a massive lawsuit from my law office against all of these individuals demanding actual and punitive damages in the millions.
Consumer complaint received 2021-05-11
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. (CA)

On XX/XX/21 I sent an affidavit of truth stating that Transunion violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked you for a verification of the accounts. Since they claim the accounts were indeed verified I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in all of my accounts. 

I now need the accounts removed : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Insikt, Inc. (CA)

On XX/XX/XXXX I called the company as they had charged me 4 different amounts for two loans that were paid off that date. However, they refused to reimburse these two extra charges. As a result. I called my bank to dispute the two extra charges this company was charging me. But, then the lending company argued that I had not made the payments and started charging me extra fees and interests for these loans I had already paid off. To this date, they are charging me for these extra fees that I have already paid.