davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.
Consumer complaint received 2023-01-29
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. (IL)

I sent you guys a dispute letter on XX/XX/2022 and still haven't heard anything back, don't you guys have 30 days to respond.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a FTC report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXXXXXX and XXXX
Consumer complaint received 2018-07-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Leopold & Associates, LLC (NY)

I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named Leopold & Associates, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

Leopold filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, XXXX and Leopold. 

XXXX 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had a savings account with Capital One Bank ( Acct. # XXXX ), which was set up as a traditional IRA. Without any notice to me and without my consent, Capital One transferred the account to a company called XXXX XXXX XXXX, which was something I did not request or want. I only discovered this occurred when I received a statement in the mail from XXXX XXXX XXXX for this account that had been with Capital One 11 months after my money was transferred. 

The problem is that my savings account with Capital One had no fees associated with it and was FDIC insured. However, XXXX XXXX XXXX is charging me maintenance fees, statement fees and says they will charge me an account closure fee if I move my money to another institution. I never agreed to be charged any fees for this account because I opened a fee free savings account with Capital One. These fees are eating away at my savings, despite the fact that I never agreed to my account being sent to a company who would eat away at my savings by charging many fees. 

I contacted Capital One about this on XX/XX/23 and they refused to do anything to refund the fees, saying the account was closed and they could not refund fees charged by XXXX XXXX XXXX. My complaint is not about XXXX XXXX XXXX, but is a complaint against Capital One as they should not be allowed to just send my savings account to some other place that is not even a bank, is not FDIC insured and is charging me a ton of fees that my Capital One account never incurred. I set up this account to save for retirement, but this transfer by Capital One is meaning I am losing money.
Consumer complaint received 2020-10-22
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. (SC)

I check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX* DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (IN)

On XX/XX/XXXX a XXXX XXXX arrived to my bank account from a construction company. As this money was sent to a personal account my account advised me to call the banks and reverse the transaction. 

The incoming transaction for {$5000.00} was initiated by XXXX customer to my Personal Bank account. 

On XX/XX/XXXX {$5000.00} was deposited in my account. Then, On XX/XX/XXXX I called BMO to reverse the transaction of {$5000.00} back to XXXX XXXX. BMO stated that they would reverse the transaction and the other party would receive it in 7-10 days. They gave me a XXXX XXXX Case Number to give to my customer. 

My customer filed a non-fraud dispute with XXXX. They have no record of the refund. The {$5000.00} was stolen by BMO Harris Bank or XXXX XXXX ( third party servicing department ). 

I want my {$5000.00} reimbursed to my account as it is Fraud plain and simple and no one can give me a clear answer as to where my money is in transit anywhere. 

For the past 30 days, I have tried to resolve this. I was given case # XXXX by BMO, apparently, this is a XXXX XXXX case number. If BMO initiated the CASE then they can reverse it. However, they are saying only XXXX can do it. However, XXXX has stated there is no CASE # XXXX. So who is lying?????? Or they are using different systems and BMO, the initiating party lost my money. You can't send money and not be able to retrieve it and hold me responsible. Had I initiated the transfer personally I would be responsible. I would like to get this money returned to me as I have spoken to my accountant and he says we can work it out on the accounting side.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Subject : Complaint Regarding Fraudulent Debt Claim by Portfolio Recovery Associates Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates concerning their claim that I owe {$720.00} for a XXXX XXXX joint account allegedly opened on XX/XX/year>. I unequivocally state that I never opened an account with XXXX XXXX XXXX XXXX, and I believe this claim is a result of XXXX XXXXXXXX 's data breach. 

This erroneous and fraudulent information is severely impacting my credit report and financial standing. I have made multiple attempts to resolve this issue by contacting both the credit bureaus and Portfolio Recovery Associates directly. Unfortunately, these efforts have been futile as I was placed on hold for over an hour and received no substantive response or resolution. 

I request your immediate intervention to rectify this matter. The actions of Portfolio Recovery Associates violate several federal laws, including : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681** : This law mandates that credit reporting agencies and furnishers of information ensure the accuracy and integrity of the information provided to credit bureaus. The erroneous debt reported by Portfolio Recovery Associates violates this requirement.

2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : This law prohibits debt collectors from using deceptive practices or attempting to collect debts that are not owed. The false claim by Portfolio Recovery Associates constitutes a breach of this statute.

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Portfolio Recovery Associates correct their records and remove this incorrect debt from my credit report. Additionally, I seek any remedies available under the law for the distress and inconvenience caused by this situation.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-11-20
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. (TX)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX US DEPT ED Have violated my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-06
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. (AL)

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  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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 MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Was granted a loan modification several years ago and was 3 months late. The company Select Portfolio Services claims there's XXXX XXXX due at the end of the loan. Original loan amount was {$140000.00} and now they claim we still owe {$150000.00}!!!. That was the only period we were late on payments and it was due to a hardship. This loan/company is unethical and doesn't add up. We've been paying on this loan for 14 years and still owe more than purchase price? 
I'm at a loss and they can't explain and have hung up on me.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

My last four of my social security is XXXX. 
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX, /XXXX XXXX   XXXX, XXXX XXXX,, XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-09-07
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-11-24
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-04-05
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. (IL)

n accordance what the fair credit reporting act convergent Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX  Account XXXX has violated my rights 15 u.s.c 1681 section 602 A States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : its also says a consumer reporting agency Can not furmish a account without my written instructions
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

To whom it may concern, I am writing to formally dispute a debt claimed by Portfolio Recovery Associates, who allege that I owe XXXX XXXX {$680.00}. I assert that this debt is in error, as I have never utilized their services in XX/XX/year> or at any other time. 

Despite my repeated attempts to resolve this issue directly with Portfolio Recovery Associates, I have not received proper debt validation as required by law. On one occasion, I was left on hold for over an hour without resolution.

I believe this constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - **15 U.S. Code 1692g** - Validation of debts : This statute requires debt collectors to provide validation of the debt upon request, including the amount of the debt and the name of the creditor. 
- **15 U.S. Code 1692d** - Harassment or abuse : The excessive hold time and lack of response could be construed as harassment, which is prohibited under this section.

Furthermore, the continued reporting of this erroneous debt on my credit report violates the Fair Credit Reporting Act ( FCRA ) : - **15 U.S. Code 1681i** - Procedure in case of disputed accuracy : This section requires credit reporting agencies to promptly investigate and correct inaccurate information on a consumer 's credit report.

- **15 U.S. Code 1681s-2** - Responsibilities of furnishers of information to consumer reporting agencies : This mandates that companies like Portfolio Recovery Associates ensure the accuracy of the information they report to credit bureaus.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that this fraudulent information is removed from my credit report immediately. This erroneous reporting has caused significant distress and potential harm to my creditworthiness.

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-10-22
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. (WI)

I received written correspondence from XXXX that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (MA)

Dear Manager XXXX XXXX ; Hi & How are you doing? Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (OR)

Upon receiving a pre-employment screening report, I noticed there is an outdated address in California showing ( I haven't lived in CA in 16 years ) and also a record check in Arizona that is completely incorrect ( I have never resided in the state ). 

I contacted the screening provider, XXXX XXXX XXXX, presented the report and noted the outdated and incorrect information. It took several phone calls and an unnecessarily long e-mail thread over 5 days for them to relay their contact company they received the information from I would need to contact ; Lexis Nexis.

I opened a ticket with Lexis Nexis on their website under the appropriate category on XX/XX/XXXX, informing them of the same outdated and incorrect information on my background screening, and attached a copy of the report. 10 days later on XXXX, they responded and indicated they needed me to provide a copy of the dead individual. No one died, and I communicated nothing of that to them so that was confusing and I began to lose faith in their literacy and competence. I again repeated my request. 

11 days later on XX/XX/XXXX, they responded informing me they don't deal with my issue in their department and would need to contact the department of Lexis Nexis that handles background screens. I found this frustrating and an unnecessary delay having opened a ticket on their website under the correct category 22 days earlier. 

Regardless, wanting to finish the issue, I called the phone number today, XX/XX/XXXX. The representative I spoke to, after XXXX minutes of being very confused, informed me the company I Was calling was XXXX XXXX, which is a background screening company, and they had no record of a report being run on me in XXXX.This was very frustrating. I Tried to verify that they provided information to LexisNexis, the representative said he couldn't provide that information to me, but that they did not run a background report on me, and that I should contact LexisNexis. 

Tomorrow marks 30 days, many e-mails I've attached, about 5 phone calls and much of my wasted time for what should be a simple, functional and *IS* a legally guaranteed removal of incorrect or outdated information on my background report. I would like to request maximum penalties for LexisNexis for incompetence. If you could please provide me information the legal recourse I have to pursue damages or legal action against them for failing to abide by the FCRA I would appreciate it as well.