davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f )

( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (ME)

On XXXX, I have opened a loan account with XXXX XXXX XXXX for buying a used car from XXXX dealership , my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with Covid-19 and was not able to go out until few days after. the total late days were only XXXX  days but XXXX XXXX XXXX reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to XXXX XXXX XXXX asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with XXXX XXXX XXXX showing the payment has been received on XX/XX/2022 which means only XXXX  days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage XXXX weeks ago, where I was buying a house to my family and elderly parents.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IL)

The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX  ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have issues with XXXX XXXX XXXX and the loans that originated with them. The school frequently talked about the fact that they expected accreditation and that our studies would switch over to XXXX XXXX standings. They never did. I also went back to school a second time after earning a diploma taking less classes but was charged what I believe to be inaccurate pricing.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

XX/XX/2021 : Was out to dinner and my XXXX debit card was declined. I called Citibank to find out and they said there was a charge for {$4900.00}. This is more than what I had in my account. I was told the charge was made with my XXXX debit card number from XXXX XXXX XXXX. I told them I did not authorize this, and it was not me who made the charge. I disputed the charges, and they closed the XXXX debit card and said they would send a new one out. At this point the charge for {$4900.00} was PENDING. 

XX/XX/2021 : The unauthorized charge for {$4900.00} POSTED to my account. Citibank did not stop the charge even though they knew it was not authorized. What wasnt covered by what was in my account went into overdraft protection. I now have {$4200.00} on my overdraft. 
I filed a police report on XX/XX/XXXX. I've disputed this twice with the Citibank fraud line and each time they respond that I am responsible for the charges. I went into a branch a month ago and have been trying to dispute this with a branch banker. I call weekly and I'm told they're still investigating. 

Both myself and the local police officer have been calling XXXXXXXX XXXX XXXXt. They answered once and told the officer that they had been 'hacked ' and were refunding and would refund me. That never happened. Now when the officer calls, or I try to call... they either don't answer or they pick up and put me on hold immediately, we're ghosted. 

If you search on the Secretary of State North Carolina for " XXXXXXXX XXXX XXXX  '' you will see that the owner, XXXX XXXX XXXX actually owns several cabinet door companies ( and other wood working businesses ) and he's been reported to the XXXX. Last I checked he had five active LLCs and six dissolved LLCs. Reading reviews, his company frequently puts fraudulent charges on people 's credit cards and then tells them to complain to the credit card companies. In XX/XX/2021 placed a small order a cabinet door and drawer front from a company called " XXXX XXXX XXXX, '' which is registered through an agent but the filing address is the same and after researching, I discovered it's one of the many companies XXXX XXXX XXXX owns. His company held onto my debit card number for over 9 months and then put a fraudulent charge on it through one of his other companies ( XXXXXXXX XXXX XXXX  ). When I read reviews for some of the companies XXXX XXXX XXXX owns, I discovered there are others out there that had the same thing happen to them. 

This is criminal activity and nobody is stopping them. Citibank is not giving me the protection I am entitled to under the Electronic Funds Transfer Act that covers when there is unauthorized use of a debit card and the bank is notified within 2 business days. In my case, I notified the bank the same day the fraudulent charge was made ... before it even posted. It's been over two months.
Consumer complaint received 2019-10-04
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. (CA)

XXXX XXXX keeps posting an account that is fraudulent to my credit report for the amount of {$15000.00} for a credit card that it says was opened in XXXX and A vehicle loan for {$16000.00} these are now posting in XXXX to my credit report and they belong to someone else. I had identify theft in the past and submitted police reports. I am demanding they remove these accounts from all 3 companies XXXX, equifax and XXXX immediately they do not even list account numbers on my fico reports!!!
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (KS)

On XX/XX/2021 at XXXX, I was contacted by Dynamic Recovery Solutions from the number XXXX. 
I could not understand the representative when she stated the company name because she was speaking so fast and asked her to repeat the name. This happened two or three times before I told her I was hanging up because of her attitude. She wanted me to verify my name without knowing the company name and was rude and talking quickly. It felt like a deceptive tactic. 
I just went through my call history for the last two months and found four different numbers that have called and all four are Dynamic Recovery Solutions. 
The calls are as follows- The number mentioned above XXXX has called three times. 
XX/XX/XXXX at XXXX for the 47second call where the woman wouldn't speak slower. 
XX/XX/XXXX at XXXX for a 5second call where I said " hello '' and noone said anything. 
Calls from the same number on XX/XX/XXXX XXXX and XX/XX/XXXX at XXXX were not answered because the number isnt saved into my phone. 

Dynamic has been calling and when I answer, noone says anything. It is dead silence and I hang up thinking its a spam call until I realized today that its been DYNAMIC calling from multiple numbers. 

The earliest calls on my log are from the number XXXX. 
XX/XX/XXXX XXXX. I didnt answer. 
XX/XX/XXXX XXXX. I didn't answer. 
XX/XX/XXXX XXXX. 8seconds- silence. 
XX/XX/XXXX XXXX. 6seconds- silence. 
XX/XX/XXXX XXXX. I didnt answer. 

XX/XX/XXXX XXXX I called the number back and discovered that it is Dynamic Recovery Solutions. I asked to be transfered to a supervisor and the representative stated she couldn't do that without getting my information. I told her that yes she can do that and to transfer me. The supervisor got on the line and I gave him my first and last name and told him that the first gal to contact me was rude and spoke too fast and that I have MULTIPLE calls from representatives or whoever calling and not saying anything when I answer. I advised him of harrassment and told him not to contact me. 

The other number that I have for Dynamic is XXXX XX/XX/XXXX. XXXX. 17 seconds XX/XX/XXXX. XXXX. 14 seconds XX/XX/XXXX. XXXX. I did not answer I don't recall if I got a reply from anyone when I answered these calls or not. I think I did and hung up when they stated they were Dynamic Recovery Solutions but I'm not sure. 

The last number is XXXX XX/XX/XXXX. XXXX. 10sec XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. 6 sec. 
I'm pretty sure these three were three more calls where noone said anything when I answered the phone.
Consumer complaint received 2018-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I purchased a new home XXXX, XXXX and my mortgage loan was sold to WellsFargo. I contacted WellsFargo in early XXXX, XXXX as it showed that my property taxes paid were {$2.00}. During the phone call I let the company know that my property taxes should be significantly higher. I received a letter on XX/XX/XXXX that my property taxes were past due in the amount of {$6400.00}, which was paid in addition to a " misc fee '' of {$620.00}. I have contacted WellsFargo numerous times for resolution however after 3 months I still do not know anything. I need my XXXX tax statement revised to reflect the property tax I paid in the amount of {$6400.00} not {$2.00}! With the new tax bill I can not have that amount go towards my XXXX taxes. I elected to have my mortgage company pay my taxes so they have a responsibility to pay them timely and not charge me late fees of {$620.00}. This has delayed getting my XXXX taxes completed.
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.
Consumer complaint received 2022-12-03
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX / XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/21 - I am a long time customer with Bank of America. I have used them for my first mortgage and tried to use them for other mortgages as I have purchased new property. The lending process is always different. For example one will give a pre qual letter without running credit but other times its now required. I have a friends in the past month where this was not required but it was asked of me. I also noticed the apr I was quoted verbally was much higher then the website and my friend who has a similar credit score and debt. The only difference is our nationality. I find that the lending process and loan officers are not fair or equitable when quoting rates, apr or in the process. Regardless of credit the rates are always much higher and I am charged more for services with Bank of America.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (NJ)

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2022-12-03
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. (VA)

I

n accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy. 15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission. 

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX 2. Account Name : XXXX Account number XXXX
Consumer complaint received 2019-11-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-07-30
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: TFC Credit Corporation of California (TX)

I have a loan with TFC CREDIT. 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, XXXX, XXXX and TFC CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my XXXX.
Consumer complaint received 2022-01-20
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. (CT)

Hello. I received an alert stating that a collection account was added to my credit report on all 3 credit bureaus. This collection does not belong to me at all since I`ve never had an XXXX account in my name. I`ve filed a dispute with the credit bureaus and XXXX and XXXX have removed the collection account as of today ( XX/XX/22 ). Equifax is stating that they verified the information as correct which is not accurate at all. How can they verify the account if it is not mine? I need this account removed immediately from my Equifax credit report. I`ve attached several supporting documents for your reference. Thank you.
Consumer complaint received 2022-02-22
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. (OH)

It is not going on 90+ days since I have opened a dispute with Transunion , XXXX , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX