davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got 3 new different hard inquiries on my credit report on XX/XX/2020 from companies that I do not recognize. Considering that I did not ask for any loan or credit in the last year I would like to know why is these inquiries for cause I do not want these hard inquiries to affect my credit report.
Consumer complaint received 2018-02-16
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. (NY)

I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Experian has responded only with improper verification form letters that provide no backup  documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Experian must provide me with a copy of the original contract signed by and obligating me to this debt. If Experian can not provide such proof of debt validity, the account must be deleted form my report. Experian has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Acct Name Acct # Status XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX .... Not Validated XXXX XXXX XXXX XXXXXXXX XXXX .... Not Validated XXXX XXXX XXXX XXXX   XXXX .... Not Validated
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (WY)

Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

Equifax XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with XXXX which I believe to be accurate. However, Equifax is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.
Consumer complaint received 2022-05-01
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. (MI)

i lost my wallet that contained my social security card and id years ago when i was about XXXX i am XXXX now, i have filed multiple identity theft reports. i have also challenged the information on my credit report i have not had any success getting these items that are fraudulent off my credit report.i am asking for assistance in enforcing the law, so that my credit report will reflect 100 % accuracy thank you.
Consumer complaint received 2022-05-01
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " XXXX XXXX XXXX '' ACCT 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On Thursday XX/XX/2020 I mailed a letter to Experian requesting to remove all errors on my XXXX XXXX XXXX XXXX  account. 

I informed Experian that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Experian that my account is not past due and there are no missed payment on this account. 

I further requested that Experian correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Experian has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (GA)

fci lenders service inc. is attempting to foreclose on my home with fraudulent assignments. the demanded me to remit {$18000.00} to bring my home out of foreclosure. 
i remitted the {$18000.00} which i disputed owning but i could not allow the to take my home, but after paying the {$18000.00} they refuse to stop the foreclosure. 
I MAILED THE a QWR THE REFUSE TO RESPOND I ALSO ASKED FOR DEBT VALIDATION THEY REFUSE TO RESPOND
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the TransUnion credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection. XX/XX/2020 I disputed the same3 collections with TransUnion again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from TransUnion in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that TransUnion was able to verify these accounts? contacting the cfpb to see if they can get TransUnion to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (GA)

My name is XXXX, a federally protected consumer, and I am making this complaint against SOURCE RECEIVABLES MANAGEMENT, for committing identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with SOURCE RECEIVABLES MANAGEMENT and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SOURCE RECEIVABLES MANAGEMENT any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MANAGEMENT, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MANAGEMENT, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX @ XXXX Employee XXXX XXXX XXXX XXXX ID XXXX ) at a XXXX XXXXXXXX XXXX changed my security question without authorization- fraudulently. This changed allowed for future fraudulent access to my account. 

XXXX phone number XXXX XXXX @ approximately XXXX SIM card was swapped and accessed was gained to other personal accounts and passwords. 

XX/XX/28 @ XXXX Coinbase account was fraudulently accessed and {$170000.00} worth of funds were stolen. 

XXXX XXXX refuses to release information about which store the security change occurred at. 

Coinbase has not responded to concerns about stolen funds.
Consumer complaint received 2019-10-29
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. (GA)

I reached out to the XXXX XXXX XXXX XXXX to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Consumer complaint received 2018-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

During a recent transfer of my mortgage from CitiMortgage to XXXX XXXX I received a notice in the mail approximately 60 days prior that stated business would continue as usual and at that time would need to make appropriate measures to insure my mortgage was paid with XXXX XXXX. I established an automatic draft with my credit union to begin on XX/XX/XXXX ( the date the transfer became official ) to be paid to XXXX XXXX. Prior to the allotment to XXXX XXXX, CitiMortgage arranged with a subordinate company to draft biweekly payments from my bank account and continued into XX/XX/XXXX. I called the CitiMortgage biweekly plan manager. The staff member ( XXXX Employee # XXXX ) was not able to assist my request and stated I needed to send a written request to stop the payment. Thus, I asked to speak to a manager. She immediately came back and stated " the account managers were in meeting for the next hour ''. I asked if they could call me back to which XXXX stated " no, they don't have the ability to call back. I stated that I could end up in a perpetual state of call back if I didn't time my call just right. It didn't matter. My ONLY option was to call back. This inaction to stop " hijacking '' of my money should be illegal. It could place a financial burden on homeowners. The option to cancel a payment just as it is started or even the action to sell my mortgage to someone else should all face the same rules. I didn't ask to have my mortgage sold and they should have requested a written approval from me if they are going to continue to ROB my account until I submit a written request to stop it. This entire process of transferring my mortgage has been a fiasco. XXXX XXXX sent the message of action XX/XX/XXXX) after the action was already enabled thus they were behind the power curve to allow me ample time to resolve the issue without additional funds being drained from my account. With the biweekly call I requested to stay on hold until the account manager was available ; after ~15 minutes I was disconnected.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (OK)

I request refund from a fraud company named XXXX XXXX and Paypal would not refund my funds from this fraud.. I have not recieved no products nor assistance in my refund. the fraud was XXXX XXXX of 2018
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I had just purchased a new home and went shopping at Best Buy to purchase a refrigerator and stovetop for just above {$3000.00}. I applied for an in-store credit card to receive 10 % off of my first purchase, or interest-free payment as was explained to me by the sales manager. Due to a postal service mix-up, I did not receive any bills from Best Buy, and never received the credit card for which I had applied. When I called Best Buy to inquire about the card/bill, I was informed that interest was being applied and the 10 % discount was in-store credit on future purchases. Further, the future credits were revoked since I was late on my first payment. At that time I paid the bill IN FULL over the phone to avoid incurring anymore interest. Several months later, after having no contact with Best Buy at all, I received a bill for {$450.00} for unpaid interest from a pending interest charge ( {$17.00} I believe ), compounded with late fees during the time After I had called to pay the bill in full. I disputed these charges with Best Buy, explaining how I was 1. Misled about the rewards program/discount, 2. Did not receive bills or the credit card in the mail, 3. Instructed the customer service representative to pay my bill in full unaware that there was another pending interest charge ( of less than {$20.00} at the time but eventually grew to {$450.00} ). Best Buy dismissed my dispute and charged off the account.
Consumer complaint received 2022-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (TX)

According to XXXX XXXX I have a derogatory mark for a speedy cash loan. However, I have never applied for a loan besides student loans. Also at the time that the speedy cash was given out I was XXXX XXXX XXXX and did not know what speedy cash was. I have no way of even accessing an account or having an account number. If the company was to look at my information Im sure I would be able to prove I did not apply for this loan.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (CA)

DYCK ONEAL has violated my rights. 
15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2021-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (KS)

Dear CFPB, My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments for Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) on XX/XX/2021 and again on XX/XX/2021 and they ; FedLoan Servicing ; have not provided a material response. They state that they are " assessing '' but will not provide me any timelines or other information. I am asking that CFPB contact FedLoan Servicing in an effort to get FedLoan Servicing to fix the ones that should have been fixed. This issue is time sensitive in that TEPSLF has limited funding and is a first come, first serve program. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlas Credit Company, Inc. (VA)

I have received continue phone calls from a company named Atlas Credit Company in XXXX Virginia I have never done business with this company and I'm confused as to why I'm getting repeated phone calls on a daily basis I had someone living with me who assumed my identity and also stole my driver 's license this is not the only concern I've had with this particular person however I filed a police report and I have proof that my identity was stolen please remove from my credit report thank you
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXXXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}
Consumer complaint received 2020-01-25
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. (VA)

Equifax, XXXX  and XXXX  has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my Equifax report