davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I spoke with a person named XXXX on XX/XX/22 to make arrangements to settle mine and my husbands combined medical debt. My balance was approximately {$1800.00}. I don't remember the exact amount. We agreed on around {$1400.00}. I told her I could pay XXXX on XX/XX/22 and that I could pay the remainder {$200.00} ( and something ) on XX/XX/22. She explained that the agreement was good until XX/XX/22. I paid the {$1200.00} on XX/XX/22. When I called back on XX/XX/22 to pay the balance of the agreed upon settlement, she said that I would have to pay the full amount because I didn't pay the agreed amount in full on XX/XX/22. I argued about this since she's the one that made me an offer that would expire on XX/XX/22. Her explanation was that she was sorry but she was new and didn't know better and could not honor the agreement. My husband is XXXX and we have several medical debts that we have been trying very hard to pay off. I would have paid off several smaller debts with the {$1200.00} and just paid them monthly payments if I had known they were going to do this. Or waited until XX/XX/22 when I would have had the full agreed upon amount. I don't understand how they can do this to people.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-21
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: JPMORGAN CHASE & CO. (FL)

mt credit card has billed me for several purchases i did not make as soon as i recieved my bill i saw the purchases i called and reported the charges. The company said no problem took off the charges told me to destroy the old card and sent a new one. I figured this was done but then over a month later i get another bill with those same charges back on it. I call them they said it was found the charges were legit because the card was present. But i didnt make them and i had the card in my possession at all times so had to be a cloned card .The company claims that they cant make fake cards witch i know is completely wrong.so the dates were in XXXX the XXXX XXXX XXXX XXXX, XXXX and XXXX. all of the charges were at marathon gas stations all in XXXX XXXX XXXX or XXXX fl. witch are all over an hour away from were i live some are hour and a half.the charges were almost all within a dollar of each other most were XXXX and change one was only XXXX and another was XXXX the company reviewed the case and still says charge valid because card was present but like i said i have the card so not possible. the credit card company is chase.
Consumer complaint received 2022-04-26
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: Eastern Account Systems of Connecticut, Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-13
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: CURO Intermediate Holdings (TX)

Adstra Recovery services, XXXX XXXX, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I accessed Trans Unions website to obtain a free annual credit report was billed an unauthorized charge of {$24.00} to my credit card without my consent. There was absolutely no disclosure of a charge. Also, I tried to contact Transunion customer service and I reached a offshore Call Center outside the United States. I refuse to do business with any representative in a foreign country and provide them with my Social Security number. I called numerous times and asked to speak to someone in the United States and got no response they just hit the mute button and ignored my request to cancel or reverse the charge. I called and asked for a supervisor and requested to be transferred to the United States representative and they would not transfer me and I was unable to speak to somebody there. This is not resolved to my satisfaction. Trans Union made a bad business decision and as a consumer I do not want my social security number and credit information in a foreign country!
Consumer complaint received 2022-04-26
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: Revco Management, LLC (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, REVCO SOLUTIONS, INC.AccounXXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID IN THE SETTLEMENT ON XX/XX/XXXX. 

ISSUE 4 ) COMMENT SECTION STATES ACCOUNT PAID FOR LESS THAN FULL BALANCE. THE SECTION SHOULD READ ACCOUNT WAS PAID ON SETTLEMENT AGREED BY CREDITOR. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS FOR XXXX XXXX, XXXX, XXXX IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 6 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX. 






ON XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

EXAMPLE : CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

ISSUE 1 ) STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

ISSUE 2 ) CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

ISSUE 3 ) CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 4 ) THE 81-PAYMENT HISTORY IS INCORRECT AS THE CO STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

ISSUE 5 ) THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT FAILS TO STATE FOR YEARS XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I have attempted to reach out to this company on several occasions each month since XX/XX/2021 I was subject to an approved Covid forbearance period as I was impacted by Covid due to loss of employment. After the Covid relief expiration I completed the application process for loss mitigation. They continuously state they dont have my application coded and or being received despite multiple emails sent attaching the application & several calls to ascertain its standing. Upon calling this company they dismiss my complaint and or terminate the line. I called them back and representatives are unprofessional and I am unable to successfully satisfy any communication concerns via phone with this company. I have several emails asking for their support and their due diligence in addressing and mitigating the loan issues and they have not been helpful!
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Veem  Inc. ()

Dear CFPB team, My Name is XXXX XXXX. I operate a company in US remotely from XXXX. My EIN no is XXXX. 

I have a Wallet account with Veem that my customer XXXX XXXX opened for depositing our payments. 
My account is being operated under the ID of XXXX. 

I have witnessed a fraud worth of XXXX USD. And I am seeking your help in this regard. 

Someone hacked into my Veem account and updated the withdrawal method on XXXX XXXX with an account that doesn't belong to me. I never received any email about updating of this account. Infact, when I was trying to change my account again to my regular account after the fraud, Veem allowed that too without any verification on email or SMS. I expect a responsible company like Veem to have better processes like 2 Factor Authentication ( Passwords on email as well as SMS ) to be in place even if international SMSes are expensive to send. 

Taking advantage of this loophole, someone has updated their own withdrawal method and withdrawn XXXX USD between XXXX to XXXX XXXX. I have been struggling to login to my account for a week now and finally, when I was able to get in, I could see all my money gone to my despair. 

This is a very large Sum for a small business like us and I hope the team can help and restore this money immediately in our account. 

Also, below are my observations : 1. What verification are in place in case of Veem when someone initiates money transfer? For instance, on my XXXX account, I have to submit a One time password received on phone as and when I transfer any money to anyone. This password expires within 60 secs. Does Veem follow those stringent protocols? Shouldnt they be doing that. 

2. Infact, apart from hacking my account fraudster also asked for a XXXX credit on my account. And I was been called on one of the days to be verified, whether I applied for credit or not?. Shouldn't there be similar verification when the principal account for withdrawal is changed? At least an automated one? Just because its my money, should Veem be allowed to be careless. They definitely have processes in place for offering credit ( Which was effective and I denied applying ). Shouldnt they care equally about my money. 

3. XXXX USD is more than 50 % of our total working capital or us as a small company. What are my rights? Am I protected with any insurance? What about the loss of working capital and hence loss of business opportunity due to negligence on part of Veem? Would there be temporary restoration of credit. How can the impact be minimized to my firm. 

I have reached out to Veem with similar complaint but haven't received a response yet. I am reaching out to CFPB in parallel. I hope someone from your side with intervene and expedite the resolution.
Consumer complaint received 2023-03-27
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. (TX)

I submitted A dispute to both experian and XXXX for removal of all five of the student loan accounts from XXXXXXXX XXXX XXXX XXXX as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and experian refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

I contacted XXXX to let them know that I only have 1 account however 2 accounts are on my credit report. I only opened up 1 account. Two accounts are in collection but its two of the exact same accounts opened on the same day. There is an error on their part. One account was paid off and the other account needs to be removed as I only opened 1 account. 
{$1200.00} is the amount of the collection.
Consumer complaint received 2020-12-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I recently received a late payment notice from Truist Bank for my car loan. The payments are automatically sent from my online bill pay ( also with Truist ). I keep plenty of money in the account and have the payment sent to arrive by the XXXX of the month. The payments are not due until the XXXX of the month. As such, the payment should not have been late. 

I contacted Truist and explained the situation. They looked into it and advised me to stop payment on the check and pay via direct transfer. I did so. Later, they did try to deposit that check and since it had been stopped, they charged me a check return fee. 

The next month, I visited the branch on the XXXX because I was worried about the situation. They told me that the payment hadnt been receive for that month either. I know it had been sent from my bill pay to arrive by the XXXX. 

I talked with the branch manager, and was told that they are three weeks late posting payments when the check is sent from a Truist checking account to the Truist loan department. I believe this is an unfair banking practice as I am being charged late fees as well as stop payment fees. It is my understanding that financial institutions are required to post any deposits or payments within a reasonable period of time. I dont feel like three weeks is a reasonable period of time. 

Im concerned about the late fees and Im also concerned that this may adversely impact my credit.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

IQ Data is claiming that they can not address this issue with CFPB because I have retained an attorney. There is no indication of that in this complaint Ref # CFPB XXXX. This is simply a dodge to not address the issue of the complaint that the debt is not valid as the person filing it did not have the authority to do so, I submit the small claims case as evidence that this person is the same as that filing the collection.

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX. On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. The debt is either invalid or the entities above have perjured themselves in court. The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: Rocket Mortgage, LLC (MD)

In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from Quicken Loans XXXX 2020 Quicken placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XX/XX/2020 the forbearance program ended XX/XX/2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XX/XX/2020 Quicken reported my loan XXXX days past due, i was alerted by XXXX/XXXX via email my Loan was going into foreclosure and reported to XXXX. 

XX/XX/XXXX I placed several calls to Quicken Loans to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

Quicken mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to Quicken Loans on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

Quicken Loans documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

Quicken Loans never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This may have negative impact on your credit score ''. 

Quicken Loans sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

Quicken Loans did not provide me with legal documentation in a timely fashion. Quicken Loans did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. Quicken Loans did not act in a professional manner in dealing with my complaint and escalation request. Quicken Loans acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

Quicken Loans documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.
Consumer complaint received 2020-02-17
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. (UT)

I received a letter from Equifax dated XX/XX/2020 requesting for information that I have already submitted. I recently submitted a copy of my driver licence and social security card to try to correct incorrect information on my credit report. 

It appears Equifax doesn't keep accurate records and henceforth, the data breach which I am also a victim. 

I have a physical address of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, UT XXXX and a XXXX XXXX XXXX, XXXX, UT XXXX. 

Equifax want me to submit a driver license with my P O Box address on it which doesn't make any sense