davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC. (TX)

Initiated a xfr of funds ( {$2000.00} ) from XXXX checking acct to my Optum Bank acct on Monday XXXX XXXX. As of XXXX XXXX the funds are still not available to move from Optum to my outside XXXX XXXX brokerage acct, This is nonsense that simple, cleared, cash funds are not available within one day for TRANSFER not WITHDRAWAL to my brokerage acct.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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 2021-12-09
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)

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. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported Identity Theft )
Consumer complaint received 2023-03-11
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. 
Please remove the disputed items below : XXXX, and XXXX & I am including it again., 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
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX, I received a dated letter of XX/XX/XXXX from SYNCHRONY BANK regarding an account that CFPB assisted me with payoff and resolution because of Collection practices and problems with the way Bank administered the account. I believe the Account in question was my OLD NAVY XXXX account, because the letter copy attached to this complaint references Account Number ending in XXXX. If this is NOT Old XXXX account, then SYNCHRONY BANK needs to provide to me FULL ACCOUNT NUMBER and name of company involved with the credit. The received letter of XX/XX/XXXX states : Dear ...., Due to an error on a " previous statement '' the amount of interest may have been assessed on your account incorrectly. This error has been corrected and credit ( s ) are reflected on your billing statement. We apologize for any inconveninece this may have caused. Sincerely, Synchrony Bank ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ) I request strongly background information regarding the mentioned account. I believe this account was settled and closed between XXXX to XXXX, I believe, with the assistance of CFPB. 

Also, I am REQUESTING MONETARY RELIEF IN THE AMOUNT OF {$2500.00} because if this letter was generated regarding a CLOSED/SETTLED ACCOUNT, then my Credit Files have been accessed and VIOLATED MY PRIVACY. 

This I believe is a PAID OFF / SETTLED ACCOUNT and should not be referenced, all my contact information should have been purged from ALL OF THEIR FILES AND RECORDS AND SERVERS. 

I am EXTREMELY ALARMED to receive this letter! This creditor has harmed my peace of mind, security, and VIOLATED ME. 
Therefore I am also requesting $ $ $ Monetary Relief for XXXX, XXXX  and XXXX.
Consumer complaint received 2021-12-08
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. (FL)

I have recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency responded stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within XXXX days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX XXXXXXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (NC)

Submitted a dispute online and it was denied. I was informed I would be able to make a complaint based on the criteria after dispute denial. Say the acct is from XXXX this year I have XXXX XXXX and before that direct for 3 years..not XXXX  which is the main creditors the debt company bought my info from.
Consumer complaint received 2022-04-28
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-13
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. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

Disputed an account with LexisNexis about bankruptcy on my credit reports and they responded but failed to update now I'm unable to contact them via phone, email, or their website chat. I have attached the letter that they said they would send to me and to the credit bureau so they could update the letters. I'm getting really aggravated with this mess they have created for me and trying to settle this before contacting the attornies general 's office. They asked for information to verify my account and still failed to update the correct address as you can see on the letter that I attached they emailed to me.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved XXXX  the process. Upon reviewing my updates, incorrect personal pieces of information were found in  my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports XXXX  need XXXX delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2022-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

the vehicle i financed through Credit Acceptance Corporation was repossessed on XX/XX/2018. XXXX XXXX XXXX require that a Creditor conduct the sale of repossessed vehicle in a commercially acceptable manner. The address on file for the load i took out was my father 's address. they filed the law suit under my mother 's address. she received the court summons. I was unaware of how to proceed moving forward. I submitted an answer to my complaint and waited for a response at my fathers address. my mother moved and credit acceptance and the courts continued to send notices to the address my mother no longer lived at. this resulted in the judge granting credit acceptance the judgement. The judge wont hear me out and Credit acceptance is breaking the law in continuing to report false information and pursue monetary amounts that it is not entitled to. I can share my motion and more details with whomever can help me. everyone keeps telling me bankruptcy is the only way to make this go away and I know for a fact that Credit Acceptance has violated my consumer rights.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (TX)

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/2021, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 ). 

To date Shellpoint has not resolved the issues. 

I will be resuming payments on XX/XX/2021 and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 
2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ).

3. ) An accurate and up to date escrow analysis as of XX/XX/2021 - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals.

5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I work in XXXX XXXX XXXX. Often, landlord 's buy gift cards and give them to agents as an incentive to tour buildings, vacant spaces. They give us the gift cards, and we can use the funds to buy groceries, gas, etc. 

I toured a building and the landlord provided me a {$50.00} gift card through VanillaGift.com. The card does not work, it will not allow me to make purchases. I called customer service, they requested digital copies of my Drivers License. I felt uncomfortable with providing this information as I received the card as a gift. 

I requested my call to be elevated to a supervisor. Once on the line with the supervisor I explained the situations. During our call he randomly said I can not hear you, multiple times I told him I could hear him just fine. He said he could not hear me an hung up. 

Here is the company info : # XXXX Ref # XXXX I believe this company is selling gift cards and then making the use of the cards unreasonable on consumers, effectively keeping their money by making it too hard for the consumers to use.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I'm filing a complaint against this debt collector for willfully violating my consumer. Pursuant 1692 ( c ) C I have not validated this debt and I refuse this debt. A debt collector does not have the right to tell a consumer they owe a debt. This debt collector has violated 15 usc 1692g they have not provided me the consumer the 5 things that constitute a validate debt. No statement/agreement constitute a validation of debt, that's an allegation. I deny all allegations. Pursuant 15 usc 1681 my consumer report is NOT suppose to include 1. Credit transactions arising from my credit card. 2. Any factual information. 3. Any credit transaction between me the consumer and them the person. Pursuant 15 usc1681n each violation has a {$1000.00} fine. I'm demanding this account be removed from all my bureaus reports immediately.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2021 I opened a claim with capital one about a damaged pendant I had received from a seller in a mall. I told them that I returned the damaged pendant to them the very next day I bought it and was refused a refund. Which is why I initiated a chargeback. The customer service rep I spoke to apparently put that I kept the item. Ive called multiple reps to fix this misinformation yet none have. The only response I had gotten is that the charge amount was correct and that they would be reversing the credit they gave me. They said they requested pics of evidence from me for the first time the claim was opened but Ive told them I never received an email stating that. So the claim was opened a 2nd time. I then sent pictures of the damaged item for the dispute on XX/XX/XXXX to the bank as evidence and they claim they never received the email even though I have PROOF that I sent them the email with the pictures. After tons of calls I sent them that proof yesterday and today they said they denied my claim for the final time and will not be reimbursing me cause they said they cant find an issue. The customer service Ive dealt with at Capital One has been horrible and I want my money back.
Consumer complaint received 2021-06-02
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: BMW Financial Services NA, LLC (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
Consumer complaint received 2020-11-04
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. (WA)

XXXX XXXX removed late payment history and late payment information on a closed account over 7 years ago. I have repeatedly provided the credit reporting agency with my copy from XXXX XXXX stating they were removing the late payments. I have been on the phone with the credit reporting agency in XXXX and XX/XX/XXXX and also providing written disputes via their websites during the months of XXXX and XXXX and the information in error is still on my reports. Transunioin has still not removed the history of XXXX and XXXX  removed an XXXX but still have an XX/XX/XXXX which is supposed to be removed from the history payments along with any notification of late payments I have also attached a copy of the letter from XXXX XXXX XXXX XX/XX/XXXX that they were removing all late payment information from my account both history and written
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.