davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-14
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. (NY)

I sent out a letter on XX/XX/2020 about an account on my report that does not belong to me. I have yet to receive a response and it is now XX/XX/2020. It has been over 90 days since I disputed this account. Please remove this account because you failed to investigate and verify it in the time allotted by the FCRA. If you are stating that account is verified please provide the method of validation, who you spoke to, when you spoke to them, and the information that they provided to you.
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

Individual from Tower Loan local office, called my place of employment and disclosed information of my acct with my boss, not HR, they disclosed they take me to court and would garnish my paychecks and disclosed to my boss I would need to call them today by XXXX. My boss is not HR and nothing like that should of been talked about. That is very unprofessional and should have not been discussed. If they wanted to verify I was still employeed fine ask that but what was said was not ok. I've put up with quite a bit of home visits from them within the office and haven't complained.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (IL)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Following up. Company responded and marked case as closed. HOWEVER The documentation provided by regulatory compliance officer assigned to this case only serves to strengthen ( confirm? ) my suspicion that there exists duplicate accounts. There is an inflection in interest charge calculations.
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I dont know why XXXX is on my report as a negative item. I have XXXX service now. Its stating that i open this account back in XXXX. That the account went into collections for {$570.00} in XX/XX/XXXX. This is false i've tried fixing this and they say the have no record of it and they only see my account that is active now which is current.
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Dear CFPB, We had a {$170000.00} mortgage with XXXX XXXX, they sold the loan I don't know how many times, we wound up with New Rez, never heard of them ; they placed a forced flood policy on my home and insist I pay the new amount including {$1000.00} a month escrow. I spoke with them 3 weeks ago and the person gave me a fax number for our HOA people to fax the flood policy to. I watched the HOA lady fax the document, then she gave me a copy which I have in front of me right now. My condo association pays the flood insurance and it is not escrowed. The flood policy was in place when I took out the mortgage with Loan Depot and somehow the new company New Rez lost track of it. Now they are calling me and threatening to make us 30-day late and start foreclosure. They called us an hour ago but hung up I believe or we were cut off and I don't know what to do. We didn't cause any of this. We were going along paying our mortgage on time and then because the loan was sold to an incompetent company we're in this predicament.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 my wife received a phone call from a company claiming to be XXXX XXXX XXXX ( XXXX XXXX on the caller ID ), they said our I-tunes account had been hacked and that we were facing the potential loss of {$10000.00}, but that they could help stop this hack if we gave them access/control of our computer and purchased XXXX XXXX  cards. The caller claimed that if my wife gave them the numbers on the XXXX XXXX cards they could track the supposed hackers. They said they would not use the XXXX XXXX card numbers but would only use the card numbers to stop the hack and then my wife could return the cards to the store for a full refund. They sent my wife an e-mail and she followed a link to give them control of our computer. They stayed on the phone with my wife while she drove to town and purchased 2 XXXX XXXX cards at {$500.00} increments ( {$1000.00} total ) using our Wells Fargo Debit card at the local XXXX. She gave the person on the call the card numbers. They said this reduced our financial exposure down to {$7500.00} but that we needed to get more XXXX XXXX cards to stop the hacker. The person on the phone told my wife to go to a different grocery store where she purchased 3 more XXXX XXXX cards at {$500.00} increments ( {$1500.00} for all 3 ) using our credit card. At this point the credit card company called my wife to determine if this charge was legitimate, she realized that she was being scammed and the credit card company was able to immediately reverse the charges. She then hung up on the caller who was scamming her and she verified that they had drained the funds from the XXXX XXXX cards. When she got home she called Wells Fargo immediately and reported that she had been scammed and that they began their investigation but told her on the phone that it was doubtful that the money could be returned because of the circumstances. On XX/XX/XXXX we received a letter from Wells Fargo informing us that they would not reimburse the money since the transactions were correctly charged to our account. We reached out to our representative at XXXX XXXX  to ask what can be done to resolve the impasse with Wells Fargo, they recommended that we submit a claim to the CFPB to see if you can help us negotiate with Wells Fargo.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group (AZ)

Debt collector FOSTER AND MONROE LLC Date opened XX/XX/2023 Original balance {$1300.00} Requested validation of the debt that Foster and Monroe are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : Documentation that proves the debt is valid and that you have the legal right to collect it. 
A detailed explanation of any interest or fees added to the debt. 
I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. 
The original creditor 's name and the amount owed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : A clear explanation of the nature and amount of each interest and fee charge added to the debt. 
The basis for each charge, including any legal or contractual basis. 
Documentation or information supporting the validity of each charge A detailed description of the legal basis for your actions in collecting the debt, including any applicable laws, regulations, or contracts. 
Information about the statute of limitations for collecting the debt in my jurisdiction. 
Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus. 
Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. 
Send copies of my ID and social security Letter sent XX/XX/2023
Consumer complaint received 2019-03-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. 

I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX ACC XXXX XXXX, Opened Date XX/XX/XXXX Original Creditor 04 XXXX XXXX XXXX XXXX , High Balance {$1500.00}.

2. XXXX XXXX XXXX, ACC XXXX XXXX, Original Creditor 11 XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}.

I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Consumer complaint received 2018-04-10
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 — Problem with personal statement of dispute
Company: Conn's, Inc. (TX)

OnXX/XX/XXXX, Conn 's Credit Corp. received a certified letter disputing 2 derogatory accounts on my credit report. I have NOT received any written communication from the company to date, however they have tried contacting my NUMEROUS times by phone, even after requesting they contact me by mail. On XX/XX/XXXX, I sent ANOTHER certified letter to Conn 's Credit Corp notifying them they have violated several FCRA and FDCPA rules. They failed to mark my accounts " disputed '' with the credit reporting agencies. The lack of concern to follow federal laws is very alarming. I have not to date received ANY signed contract to validate the debt. VERY ALARMING that this company feels they do not have to follow laws, and can damage a person 's credit without hesitation!
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: 1803 Capital, LLC (NC)

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX NC ( XXXX XXXX ) my complaint is everything that transpired 1 ) I was aware that my credit score was between XXXX and XXXX because I checked it before going to the car lot when the contract was being signed the dealer used rush tactics in order for me to sign it because I was there literally all day long so thats how he got me to just sign without going over the contract when I asked about the interest rate he quoted me at 14 % even though I thought it was a little bit too high I went on agreed to sign it but when I got a copy of the contract I didnt see the interest rate on it so I called the finance company ( 1803 Capital LLC ) a few months later just to see if I paid off the interest they said I was paying 20 % interest rate! I wouldve never signed a auto loan with 20 % interest rate because my credit didnt warrant that much.., now I cant even trade it nor refinance it and I need some type of legal help for myself hows a XXXX veteran
Consumer complaint received 2019-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

This is a continuation of complaint # XXXX. It involves at least 2 companies, XXXX and DiTech. XXXX has been very informative with regards to figuring out what exactly happened with this loan. XXXX had this loan from XX/XX/XXXX until XX/XX/XXXX. Due to the lack of information provided to me, is when the loan went into default. However, DiTech did not buy this loan until XX/XX/XXXX. Account # XXXX. Why was there a 4 year lapse in collection of this loan. Until this day, I have no idea why there is no recorded information with regards to who bought this loan, who owns this loan and of the foreclosure status on this loan. Is there a second mortgage on this loan and is there a lein on this property.
Consumer complaint received 2018-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

XXXX XXXX XXXX & XXXX XXXX  XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.
Consumer complaint received 2019-03-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

While in bankruptcy have attempted a Loan Modification. This process has been going on for approximately three ( 3 ) years. I have continually sent documents as requested, completed tons of paperwork only to be told this has not been received. I have email receipts as well as fax receipts tons of paperwork I completed, etc. I did not send any payments while in bankruptcy as I was attempting to modify loan. I can not get anywhere with this company except excuse after excuse which are clear falsehoods. I am a business woman who is very organized and have access to computer, email, fax, scanners, etc. which enables be to complete these modification documents, timely and efficiently and with receipts. 

My belief is this company 's only interest is to profit off of my hardship.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now XX/XX/XXXX and we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inaccurate reporting according to what I read in the FRCA. I disputed this item first with the Credit Reporting agencies then sent a letter to the Collection company around the XX/XX/XXXX and XX/XX/XXXX regarding the inaccuracies I have found. It is now the XX/XX/XXXX and we have been going back and forth since, with no accurate changes. The date opened is reporting differently and the date of last active keeps changing and also reports differently every time I ask them to investigate. I know that is not right. I need this account removed for inaccurately reporting please.
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: Experian Information Solutions Inc. (GA)

On my credit report XXXX XXXX XXXX XXXX is reporting as a " chargeoff '' from XX/XX/XXXX to XX/XX/XXXX, reporting XX/XX/XXXX to XXXX XX/XX/XXXX as " ok '' and back to " chargeoff '' XX/XX/XXXX. Please review attachment for review. This is against the law and this needs to be deleted. This has also taken over 30 days. 

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.

Account name : 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 a 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, any other adverse item of information, other than the records of convictions of crime which antedated 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 knows or has reasonable cause to believe that the information is inaccurate.