davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

Provident funding is the servicer. They have lied, cheated and used unethical practices when it comes to dealing with us. 

In XX/XX/XXXX our home sustained {$43000.00} in hurricane irma damages. The insurance company, XXXX XXXX would not repair the home or allow us the insurance money we needed. So, we hired an attorney and fought for all this time for insurance coverage. During this time, we paid, out of our own pockets, over {$18000.00} in repairs to assure the worst damages - windows, roof, doors, etc, were repaired to maintain the structure pf the house and maintain its viability so we could stay in it. Finally, a month ago, we were offered a " reimbursment '' for the damages we have paid for. I contacted Provident and followed their instructions - send them the damage report and ALL paid invoices from the construction professionals we used for the repairs. On XX/XX/XXXX I did that. I uploaded over 30 pages of documentation along with a financial breakdown of who did what and what we paid them. ALL invoices were noted " hurricane Irma '' and " paid in full '' by the vendors to assure we had proof of the repairs. Now Provident has said that is not good enough and they want " cancelled checks '' dating back 2 years because ( their words from someone named XXXX ) I could be lying to them. I even offered to send the pictures of the repaired home ( they have damage pictures ) and they don't want that proof. I am unable to scan 2 or 3 different payment venues for 2 year old payments and I do not get " bank statements '' with cancelled checks. NOW they are asking for a lien waiver or a " XXXX invoice '' to prove that this is a REIMBURSEMENT. The work is done and we have borrowed and worked our butts off to see that it has been done. We are a senior household and a veteran household and I resent being called a liar and having my ethics questioned, not to mention I am still not reimbursed ( I have the check..they want me to sign it and send it and I don't trust them to do the right thing ) for the thousands of dollars and 2 years of fighting we have undergone. Please help, XXXX XXXX has refused to assist and the CEO of Provident isnt returning my calls. We are fighting for our lives ... and Provident is trying to destroy us.
Consumer complaint received 2017-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Dear Sirs ; I recently called XXXX XXXX to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined. 

The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by XXXX XXXX until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XX/XX/2022 an Affidavit of Fact was sent to XXXX XXXX mail : XXXX with confirmed delivery XX/XX/2022. Experian Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

XXXX and Experian have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both XXXX and Experian ) XXXX XXXX  Account # : XXXX Amount {$130.00} ( both XXXX and Experian ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Amount {$9800.00} ( XXXX ) XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( Experian )
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (TX)

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

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MO)

Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile i hope this NOTICE finds you well. i am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that [ SEQUIUM ASSET SOLUTION ] rectifies these issues promptly in accordance with applicable laws and regulations. 

The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer. 

In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. 

The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Consumer complaint received 2023-06-24
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. (CO)

I am writing to dispute the following information that appears on my consumer report : Dispute 1 : XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account opened : XX/XX/XXXX / Credit Limit : {$450.00} Last payment date : XXXX XXXX, XXXX Dispute 2 : XXXX XXXX XXXX / Account number : XXXX ( Credit cards & Credit Lines ) Account Opened : XX/XX/XXXX / Credit Limit : {$800.00} Account Closed : {$800.00} past due as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Dispute 3 : XXXX XXXX XXXX / Account number : XXXX ( Collections ) Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$330.00} Past due Amount : {$330.00} Paid Off : 0 % Dispute 4 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX XXXX XXXX / Account Type : Collection Account Opened : XX/XX/XXXX Balance : {$290.00} Paid Off : 0 % Dispute 5 : XXXX XXXX XXXX / Account number : XXXX Original Creditor : XXXX  XXXX XXXX / Account : XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$910.00} past due as of XX/XX/XXXX Paid Off : 0 % Explanation of items being disputed : My credit report includes a name that is different from mine. Each report lists the name/alias : XXXX XXXX . However, my name is XXXX XXXX ; as listed on my birth certificate, and social security number. I have never opened a credit card or line of credit, and I am only XXXX years of age. I am a victim of identity theft and don't recognize the accounts on my report ( listed above ). The only loans that I have ever authorized are student loans and they are linked to my real name : XXXX XXXX. All other things on my credit report, previously or presently are fraudulent. Please investigate these claims and have them removed from my credit report. I have made disputes in the past and had them removed as they were also fraudulent. Some of the past reports stated credit cards in my name before I was the age of XXXX. I have suspicion that my social security number has been breached and I am a victim of identity theft and fraud. 
Thank you for your assistance.
Consumer complaint received 2022-12-16
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. (CA)

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times and I demand these accounts be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax read information to furnish these accounts. 

Accounts are XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA has not reported my credit history for my credit card that I have had for the last 9 years. I asked them to begin reporting my credit card and payment history and they have not.
Consumer complaint received 2019-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OK)

In early XX/XX/2023, I met someone on XXXX who was providing a service to me that I paid for through several transactions. On one of our last interactions, the person requested that I pay to have something created and she did not send the product to me as promised. I never received it in the mail and she made it clear that she did this intentionally and that she wasn't going to refund me. She's made several cash app accounts over the course of doing business and I believe this was done to set up the scam and prevent herself from being held accountable. I reported her accounts and requested help from cash app after this happened and they basically told me they weren't going to do anything. Not even about her conduct creating several accounts in an attempt to defraud me, and probably other people.
Consumer complaint received 2022-11-30
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: CITIBANK, N.A. (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

I paid off my car loan in full on XX/XX/2021 in person at a branch. My account was closed on XX/XX/2021 and I was unable to login to the system since my loan was paid in full. Wells Fargo continued to withdraw {$1000.00} from my bank account on XX/XX/2021 via an autopay setting that I had setup. I could not disable autopay since my account closed since it was paid in full. I called Wells Fargo to ask why they withdrew the {$1000.00} autopay amount when my account was already paid in full. The person said that it would be refunded to me in XXXX days via bank transfer. 

Two weeks pass and I still do not have my {$1000.00} refund from Wells Fargo. I call them again and ask where is my refund and they tell me it there was an issue with my account that since I paid in full and am not a customer that they couldnt refund via bank transfer and that they could only mail me a check which was sent out XX/XX/2021. I did not receive the check until XX/XX/2021. 

Wells Fargo should be held accountable for over drafting my account and pay me interest for the time they were holding my money. I was lucky that I did not need the {$1000.00} at the time, but what if I did? I would be out of luck and overdrafting because of Wells Fargos poor internal controls. A bank can charge customers overdraft fees, but customers cant charge banks for their mistakes,
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC. (GA)

I've been receiving threatening messages and phone calls for the past 4 years. I've stated that I am XXXX and now affected by COVID-19 pandemic. I also was part of the 2017 Equifax Breach. Since then I have been affected the last 4years. I've spent money on several identity protection companies, apps etc
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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. 
XXXX XXXX Account number XXXX
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Over 2 billing cycles I noticed the interest being charged on a cash advance was not decreasing, on XX/XX/XXXX I contacted capital one to inquire. My minimum payment is {$25.00} I made a payment for {$170.00}, however, entire payment was applied to my purchase balance and {$0.00} to cash advance. I asked them to apply some of my payment to the cash advance balance and I was told it was not allowed until my purchase balance reached {$0.00}. The reason being is the apr for cash advances and purchases are equal. And they can choose how my payment is applied. I feel this is a loop hole being used by credit card companies to circumvent the credit card act of XXXX to require payments in excess of the minimum payment to be applied to balances with higher apr 's. Thus allowing them to continually rake in more profits and taking advantage of the ill informed consumer. I just feel that if I'm paying over the minimum payment that those funds in excess should at least be spread equally to all balances to provide me with the opportunity to lower balances that could be costing me more interest because the balance is higher.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MRSBO would verify the debt. So I took it upon myself to ask MRSBO for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I have explained repeatedly to this company that I ( XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX has nothing to do with this debt. I have had the original creditor contact them and inform them of the same. They continue to contact me. The most recent contact by email. I have sent them written correspondence as well to assert that I ( XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX has nothing to do with this debt. 

XXXX XXXX
Consumer complaint received 2021-09-24
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. (MA)

On XX/XX/2020, XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately