davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2019-08-27
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: CITIBANK, N.A. (IL)

On XX/XX/2019, I was the victim of a so-called " Gift Card '' scam from people pretending to be with XXXX Technical Support. As part of the process of the scam, they got me to charge at total of {$10000.00} on three credit cards : {$3000.00} to XXXX XXXX Visa, {$4000.00} to Shop Your Way ( Citi ) MasterCard, and {$3000.00} to Best Buy ( Citi ) Visa to purchase XXXX and Best Buy Gift Cards and give them the numbers. I have contacted the card holders. Only XXXX XXXX has been responsive. They have temporarily put {$3000.00} back into my account, although it is on hold pending their investigation. Citi has said they are not responsible for refunding my money because it resulted from a scam, not a lost card or fraudulent use of my card. I am hoping you can help me get my money back from Citi. I realize now how stupid I was to fall for this, but I am now on the hook for at least {$7000.00}. Please see the attached report I filed with the Federal Trade Commission for more details on this scam.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diaz & Associates, Inc. (OH)

Spoke with XXXX XXXX XXXX Diaz and Associates who I feel misrepresented the dates of the XXXX fitness debt. He states it was from XXXX with a last payment being made in XXXX but we feel that it was done more in XXXX when my husband was a minor and no payments were made after his mom informed Ballys he was not of legal age. XXXX XXXX of Diaz and Associates was rude and condescending and apologized to my husband for what he had to deal with everyday living with me he also stated he allowed me to speak. I want no contact with this extremely misogynistic company ever again for a perceived debt that is 36 years old. He also asked that we provide documentation showing we dont owe this debt.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My credit card has been closed for some time. I had a card and my mother, XXXX XXXX was an authorized user ( card XXXX ). My mother was making payments since I authorized her use of the card. The payments have always been made in a timely manner. One payment was made for {$40.00} on XX/XX/XXXX via the XXXX bill payment. This payment was returned to XXXX stating an incorrect account number. The number was correct, she has a card with a different card number but linked to the same account as me. XXXX, made the payment via USAA website payment option on XX/XX/XXXX for {$53.00}. 
This returned payment caused late fees to be assessed each month beginning in XXXX through XX/XX/XXXX. Some for {$35.00} as well as several for {$25.00}. 
I began reaching out to USAA in XX/XX/XXXX, requesting assistance to lower the interest rate on this card since I was experiencing a financial hardship, as was my mother. 
I have sent 3 letters to USAA making this request and they only respond by sending a letter stating the account is 3 payments past due and they will turn it over to the collections. I am willing to continue the payments that have been made, however, the balance and payments are now increased to the point I can not make the minimum due.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I filed a complain previously about this : I purchased a home in XX/XX/2018 through the XXXX  home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage. 

They followed up with a BOGUS call back number. I have called the number 15 times, left numerous voicemails, and can't get a call back. 
They are croooks!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Experian XXXX Account names : XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX -Child Support Enforcement XXXX XXXX XXXXAZ DES Child Support : XXXX XXXX ***** Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

XXXX Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " XXXX
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica (GA)

MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX  FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED. FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX  XXXX  XXXX, XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Comerica (CA)

I have deposited check in my account, my account had positive balance and never had any negatives or bounce checks, the deposited check turned out to be a bad check, after that the bank held my own funds for 30 days, and then the closed my account and returned my money, they said they don't want to do any business with me, I respect their position, and took my funds and walked out. After this incident I went to XXXX XXXX to open an account, XXXX XXXX told me that Comerica bank reported to XXXX ( XXXX XXXX XXXX ) negative mark, Now I can not open an account, I contacted Comerica Bank, but they did not even talk to me to explain the reason for reporting negative mark and hung up the phone on me a few times. I want to resolve this matter ASAP and report Comerica Bank for unverified reporting of negative mark on XXXX. Comerica is reporting without proof of wrong doing, Comerica must be sued or reported as misusing of banking relationship against consumers.
Consumer complaint received 2018-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NJ)

I was involved in a hit n run accident. The defendants auto insurance paid the value of the car, but that did not satisfy the loan. I paid off the entire loan in full. However, the title and lien release was sent to the defendants insurance company. The insurance co. Only pais for the " fair market value '' of the XXXX XXXX that has been totaled. The loan that I paid off on XX/XX/XXXX is listed on the credit bureau as being paid off by the insurance company. Westlake Financial never reported the paid off vehicle until after I purchased my new vehicle XXXX XXXX XXXX, on XX/XX/XXXX. I had to request that they vehicle paid off, get reported. Therefore my interest rate is 22 %. My new loan is with Westlake, as well. However, they never held up their end of the contract.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NC)

US Bank is illegally holding my money and won't let me close account. Went to bank to deposit an {$11000.00} check. This was fine. XXXXaiting the standard 5 days for it to clear, which it did. Then went to bank to wire funds and get access to that money. US Bank refused, despite funds being available in balance. Then the next day I complain and all the sudden I can't login to bank account. When I call customer support, they tell me the account has been closed, yet can't give me a reason. They say it is undergoing an " account review '' although this makes no sense. US Bank refuses to give timeline for when I will receive check for funds in balance and branch XXXX XXXX XXXX XXXX at the XXXX XXXX NC XXXX says they could hold funds FOR MONTHS. This is totally unreasonable. Never bank with US Bank they are scum!!!!
Consumer complaint received 2021-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of Transunion Inquiry issue, they wont remove inquiries off of my report.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (MI)

I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX. Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of XXXX.the image I am attaching shows their license is lapsed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.
Consumer complaint received 2018-02-11
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. (MI)

I filed a complaint XX/XX/XXXX and Experian was able to respond XX/XX/XXXX because they did not do an investigation at all. This is how they are able to give immediate responses. They have continued to violate the FCRA by not providing verifiable proof of any information. The FCRA was put in place to protect consumers and I don't understand how Experian is continously able to get a way with this. Experian has failed to follow reasonable procedures and failed to conduct a reasonable reinvestigation with respect to the inaccurate bk information.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

RE- XXXX XXXX To whom it may concern, I am horrified of SPS , and here is why : In or around XXXX XXXX SPS allegedly bought our loan from XXXX on or around XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX stating that my loan was in foreclosure SPS had my loan for less than 20 days prior to sending my loan to the foreclosure department I filed a complaint against the servicer with CPFB and also highlighted the fact that they never gave us a welcome letter, a mortgage coupon nor did they offer any alternative programs as required by law Within their response SPS stated that XXXX XXXX was hired by the previous servicer and they stopped a foreclosure that was never supposed to take place ( PLEASE SEE ATTACHED ) Unbeknownst to me SPS sent documents through the CPFB portal and never mailed said documents to my house SPS also stated that the reason that they did not offer any alternative programs is because they do not have a phone number when in fact I have had the same landline for over 20 years As I reviewed the documents I noticed that the payment history/accounting details they provided were only for the fiscal years of XXXX-present SPS to the best of my knowledge based off the documents sent have no accounting history or details from XXXX to XXXX. So how do they feel the accounting is proper when 6 years of details regarding my account are undocumented or missing from accounting. 
SPS also cancelled my homeowners insurance and told my insurance rep that the house was foreclosed on in XXXX ( PLEASE SEE ATTACHED ) when in fact a foreclosure never took place in XXXX or XXXX I also became aware as of yesterday that XXXX XXXX XXXX XXXX XXXX XXXX does not own my loan XXXX XXXX XXXX owns my loan however XXXX XXXX is advertising that the XXXX XXXX XXXX XXXX XXXX owns the loan Please also note that the mailing address on file is an unauthorized mailing address and was taken off my mailing list over 2 years ago SPS and XXXX XXXX, have not followed the laws regarding accounting, the fair debt collections practices act, privacy act, GA foreclosure codes rules & procedure HAMP, RESPA, XXXX and I am sure many other state and federal laws Lastly in XXXX we were involved in a Class Action Law Suit which stated that XXXX did not have any relationship with me to offer a loan modification pull my credit and or attempt to foreclose SPS is not a listed creditor on my credit profile as a mortgage servicer and shortly after the class action notice XXXX stop reporting to my credit report as well.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-06-04
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank, N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX A mortgage company, I cant see the name. XXXX
Consumer complaint received 2020-01-27
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. (FL)

I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2019, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NV)

set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to contact Transunion today, Tuesday XX/XX/XXXX. I spoke to two representative that would not assist in identifying the incorrect inquiry information that has been on my report since 2019 until the present. The representatives were not helpful and reluctant to forward me to a supervisor that may be more capable of assisting. 

My Business account was compromised and they would not assist. 

The inquiries are incorrect on my report and they failed to assist.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with Experian, XXXX, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent. 

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without but written instructions