davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-27
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: EQUIFAX, INC. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX account with a balance of XX/XX/XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Consumer complaint received 2021-07-01
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: FIRST NATIONAL BANK OF OMAHA (SD)

Seven fraudulent charges were made against my Mastercard credit card over a period of three months. I disputed these charges and a decision was made in favor of the vendor because they " have my name and address ''. The first time I disputed, the charge was reversed. When it happened again, even by the same company, the bank would not reverse the charges. I have sent further dispute letters after this unfavorable finding. I have spoken on the phone with customer service and their fraud department but they will not reverse these fraudulent charges. The total was exactly {$29000.00}. When I refused to pay for charges that I did not authorize, the bank has since added interest and late fees which has added about {$100.00} more to the account balance. The bank that issued my Mastercard is First National Bank of Omaha. The return address on my billing statements is XXXX XXXX XXXX in XXXX, NE XXXX. The fraudulent entries on my statement appear as XXXX, XXXX, and XXXX. 
I am not sure who these entities are so I don't have any idea how to contact them. A XXXX search shows XXXX as a bank in XXXX. I am the type of a person who watches charges to my account very closely. I ask for receipts and I balance each and every statement so I know these charges are not mine. I did not make them, I did not authorize them, I did not even have knowledge of the until they appeared on my statement. I want the bank to reverse these fraudulent charges and the associated interest and late fees.
Consumer complaint received 2017-11-17
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. (VA)

I have contacted all three bureaus for the past 5 months in reference to several fraudulent request for credit that showed up on my credit report in the inquiry field. There are over 15 inquiries within this 5 month span and this was not authorized by me the consumer. I have called them numerous times, i have filed a police report, i have submitted documentation and letters to them advising the information was fraudulently requested with my personal information after my identity was compromised. 

My entire credit file with XXXX was compromised and was showing up with me as being XXXX. Equifax had many security breaches and this bureau was assessed along with XXXX. 

With all the security breaches with the bureaus, you would think their customer service would have improved but nothing has occurred at all. 

I need some assistance in this matter as it negatively affecting my credit file. I have a fraud alert on my credit file, a credit freeze, and regularly visit the sites to see if anything has happened. 

Please provide some assistance in this matter. 

Thank you
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CO)

Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-08-07
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. (TX)

Ive contacted Experian XXXX XXXX sent all identifying documents over 5 times EXPLAINED IN CLEAR LANGUAGE WHAT IM DISPUTING ETC AND NOTHING WAS NEVER DELETED THIS WAS OVER 3 months ago by law they have 30 days it was well over that time frame I keep checking my report they have the same fraudulent items & inquiries on there even after I sent my police report theft affidavit etc I specifically itemized and circled the items that need to be removed including fraudulent inquiries this is unacceptable XXXX XXXX have me flagged so I cant open a basic checking account they need to remove that ASAP or Ill keep complaining
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft due to an XXXX credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Total balance : {$10000.00}
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (DC)

PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.

PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX.  At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me. 

How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (CT)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (TX)

GM Financial is reporting a fraudulent account in my credit file with XXXX and XXXX. This debt/ account doesnt belong to me. I have contacted GM Financial several time regarding this matter and the response are not aware of the account. I have provided this company a copy of my credit report showing this account but they have not resolved this matter and deleted the account from my credit file
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have contacted Equifax on the following dates Via Mail Thursday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Tuesday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Via Phone XX/XX/XXXX XX/XX/XXXX I contacted Equifax numerous time to explain after their compromised information on my credit file was deleted and changed. My tradelines completely disappeared which were eventually replaced after 3 attempts to their call center in XXXX. My name variation which has caused multiple denials and inquires still effects me.
Consumer complaint received 2021-07-08
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)

My Experian credit file shows Balance on XXXX XXXX XXXX Credit Limit {$2300.00} from a company called XXXX XXXX I have never requested for any credit with this company nor I'm familiar with this company. I made dispute with Experian and I asked them to investigate the inaccurate information and to also provide me with written proof that they are accurately reporting this information. Experian and this company has no furnished with any information and they claim that the information was certified. 

EXPERIANS RESPONSE BELOW : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian XXXX XXXX : XX/XX/2021 2021
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

This is my second complaint regarding this issue my account has been frozen for more than a month the citi vip team responded to me asked for my identification I submitted this and never heard anything back from them everytime I call I am on hold for at least 2 hours usually being hung up on or when I do talk to someone they tell me it's another department I have to speak to and put me on hold again this is rediculous I need my money they have no reason to hold it please help me
Consumer complaint received 2018-01-27
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Freedom Mortgage Company (WA)

This complaint is in follow up to a previously filed complaint with the CFBP. The previous complaint number was XXXX and it will be attached to this complaint as a reference. 

In that complaint, Freedom Mortgage agreed to remove the 30 day late payment from my credit report. In their response, they indicated the following : " The payment received on XX/XX/XXXX was posted to unapplied funds in error and then applied as a payment on XX/XX/XXXX which caused the adverse credit reporting. We have corrected the credit reporting to show as current in the month of XX/XX/XXXXsince we received the payment in XXXX. '' After I received this response, I disputed the information on my credit report as well as my wife 's, citing the late payment was an error and that Freedom Mortgage agreed to remove the late payment. Shortly thereafter, Freedom Mortgage verified the 30 day late payment was accurate and indicated they would not remove the item from my credit report. This occurred after the initial complaint # XXXX was closed. I spoke with a representative of Freedom Mortgage on the phone and their response was " the information is reporting accurately '', and that if I had any issues, nobody at Freedom Mortgage can help me. He indicated to me I would need to hire an attorney to fix the problem. This answer is unacceptable. 

My concern is that Freedom Mortgage is telling the CFPB one thing and they are doing another. They are not following through with what they are telling the CFPB.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was informed that " hard inquiries '' on my 3 credit reports from Transunion, XXXX  and XXXX  would be removed this month, XX/XX/2021 but none of the credit reporting agencies have updated me or provided a report to me displaying this removal WHICH IS HARMING MY CREDIT SCORE!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gregory Hagan (IN)

On XX/XX/XXXX I recieved a collection notice in the amount of {$47.00} from the Law Office of Gregory Hagan which he claims I owe to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter of dispute and debt verification to his office via certified mail. Attorney Hagan received my letter and personally signed for it on the green form which I recieved back in the mail on XX/XX/XXXX. After never receiving any form of validation from Attorney Hagan I then recieved a 2nd collection letter 0n XX/XX/XXXX stating that I ignored his first letter and this will not be tolerated. He also stated that if legal action becomes necessary I will have to pay court costs and legal fees. I called Attorney Hagans office on XX/XX/XXXX and XX/XX/XXXX to speak with him and continue to recieve voicemail. His office called and left me a voice mail as well after my first attempt in contacting him. I have spoke with a local FDCPA Attorney on this matter and was told that Attorney Hagan violated FDCPA law by continuing to collect wothout validating the debt and by writing misleading and untrue information in his 2nd letter since I clearly contacted him and didnot ignore his 1st letter.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

XX/XX/2018 : Company sent an invoice seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : Company called seeking to collect {$3900.00}. Debt was disputed and a validation letter requested. 
XX/XX/2018 : There is no judgment authorizing the Company to collect the alleged debt.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (WA)

Pursuant to 18 USC 8, I owe no debt. This company is violating My consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my information pursuant to 15 USC 1681 4 After during research online to see if this has happened to anyone else. I found that this company has a history of bad reports from consumers and of other customers. They should be shut down from taking advantage of consumers with the horrible customer services. 
This is a false and misleading tactic used by the company and is it illegal. 

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the collection company involved ( I. XXXX XXXX XXXX ) and demanded them to cease & desist All communication with me regarding the alleged debt and the company is still communicating with me. According to 15 USC 1681a ( 4 ) I have the right to privacy. I never gave this company my written consent to communicate with me PURSUANT 15 USC 1681a ( 2 ).

Amount : {$15000.00}
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CT)

This debt does not belong to anyone in this household. I assume it is connected to this phone number because we have had the number for less than a year. This company called Convergent calls multiple times a day and doesn't listen when we tell them they have the wrong number.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

XXXX XXXX is reporting an alleged debt that I do not know anything about. I sent validation letters certified mail and this company has yet to respond but they are continuing to report this debt on my credit report. This company is damaging my credit as well as my name.