davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (MO)

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Consumer complaint received 2023-03-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # 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 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NC)

I contacted the bank on several occasions to dispute fraudulent withdrawals and debit card transactions. 

They are the following : XX/XX/2021 {$290.00} XXXX XX/XX/2021 {$500.00} XXXX XX/XX/2021 {$840.00} XXXX XXXX XXXX All 3 transactions are fraudulent and the bank is refusing to put the money back into my account.
Consumer complaint received 2022-09-05
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. (MO)

the Credit Bureaus have done nothing to remove the disputed items from my Credit Report despite the multiple dispute letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal documents. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft. However, I see here that the Credit Reporting Agencies seem to not care about the said FCRA regulation that protects a consumer 's rights. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the following disputed items completely from my Credit Report. If the Credit Bureaus insist that that the dispute items belong to me, I will require the Credit Bureaus to provide me copies of documents bearing my signature to prove the Credit Bureaus claims that the disputed items really does belong to me. Please remove the following fraudulent items completely from my Credit report ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance Owed : {$23.00}
Consumer complaint received 2015-12-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: First Associates Loan Servicing LLC (ID)

XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school.
Consumer complaint received 2020-10-19
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. (CA)

Dear CFPB, I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-10-19
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: RFNA, LP (MS)

I sent Republic Finance a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to XXXX on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance.
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (MO)

I did have a loan with World Financial, but was paid in full by the XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( loan was at the branch office in XXXX Missouri ), never took another one out from them, Have disputed it many times on XXXX XXXX, but they keep saying it was mine and and have even asked for copies on signed note which they have never showed me ( i am sure that it might of been taken out by my " '' EX " '' wife ) the amount is for {$750.00} and is showing taken out " '' AFTER " '' my devoice
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (NC)

In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.
Consumer complaint received 2022-02-08
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. (NC)

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc. (IN)

COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )
Consumer complaint received 2020-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I made a purchase on XXXX in XXXX of XXXX. It was for a preorder of a figure by XXXX called XXXX XXXX. It is item number XXXX and is in the amount of {$180.00}. So the products of XXXX are always in high demand, and they sell out very quickly. I trusted this seller due to a positive feedback rating of 98 % with over XXXX transactions. I had no reason to question my purchase, until I got scammed by this seller. I have waited for such a long time for this item to release and now that it finally has, the seller says he doesnt have it and wants me to wait for more to be produced. I contacted the manufacturer myself and he said that they will not produce more for atleast another year. So, I asked for a refund, which he told me he would give me, but I have yet to see it. I have included conversations of our messages during this time to prove that I still havent received the item. I have contacted XXXX, and they refuse to help me since Im no longer in their 30 day protection window. PayPal also refused to help me, saying that Im past their 180 day protection window as well. I even called them on XX/XX/XXXX and spoke with two people as well as a manager. They refused to help me knowing that I never received the item that I preordered. I feel that because of my unique circumstances stances of being a preorder, I should be protected regardless of their policy which doesnt mention preorders. Bottom line is that I never received the product I paid for and both companies have let me down in a big way. I have been a loyal customer for 15 years and this is how they treat me. My last hope was to communicate with this seller, but he knows he already has my money, so he doesnt have to send me anything. He is a seller from XXXX named djfungshing and Ive been finding out from people online that theyve been ripped off by this guy since he was under another name called XXXX XXXX as well. The PayPal representatives even admitted that theyve had complaints about this guy, but couldnt do anything about it. I just hope that you can help me.
Consumer complaint received 2022-02-08
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. (NY)

hello my name is XXXX XXXX, 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. this is horribly impacting my life tremendously.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (CA)

After repeated calls from Premium Asset Services and disrespectful remarks I settled the debt for {$800.00} upon doing so it still was not marked paid on my credit report. During this time my newborn was battling surgeries to stay alive which I told them and they were completely heartless of my situation.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada) (NV)

XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sentry Credit, Inc. (CA)

Debt collector disclosed that they were trying to collect a debt to my long time ex-husband and told him they were trying to collect a debt even though they have my information.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NH)

This is in regards to my mortgage servicer PHH Mortgage. They have used this company from Texas called XXXX XXXX XXXX to enter my home and break in. The home is not yet foreclosed on. They went to verify occupancy. It is a XXXX home in XXXX so there was no food or clothes anywhere. I contacted them and the XXXX Attorney General. The result of that was that they just wanted to see if it was occupied. They have also put XXXX signs on my door saying the property is managed by XXXX XXXX XXXX. The home is also on private property. The property has not been transferred over to them so they do not own the property. They also transferred the property to us with a defective deed. They also told me they could n't produce any paperwork as to who owns the mortgage. This is in XXXX XXXX XXXX and the case number is XXXX XXXX. Is there a way you can look into this and see if this is legal. 

Thank you for your help
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Western Portfolio Assets (NJ)

I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Pinnacle Credit Services, LLC (TX)

I received an email from a guy named XXXX XXXX, that read, We're XXXX, a debt collector. We are trying to collect a debt that you owe to Pinnacle Credit Services , LLC. We will use any information you give us to help collect the debt. 
Our information shows : Hello, XXXX XXXX. You have an account with Pinnacle Credit Services , LLC ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, Pinnacle Credit Services , LLC placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. 

I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
Consumer complaint received 2022-09-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.