davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NY)

Opened a fee free checking account over 10 years ago and every once and a while Chase makes attempts to steal {$12.00} without even alerting be text or e-mail. They have notified on subsequent occasions that even a theft of as little as {$12.00} is taken seriously. We are concerned they engage in this behavior to seniors and the less fortunate.
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting by Credit Bureaus Dear Sir/Madam , I am writing to formally report inaccuracies in my credit report as maintained by the major credit bureausXXXX XXXXXXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit reports and expect the credit reporting agencies to conduct a reasonable investigation.

According to 15 U.S.C. 1681i ( a ), when a consumer notifies a credit reporting agency of a dispute regarding the completeness or accuracy of information, the agency must conduct a reasonable investigation to determine whether the disputed information is inaccurate and report the results of that investigation to the consumer. In my case, I filed a dispute concerning an alleged debt collection from XXXX XXXX, which has resulted in conflicting information on my credit reports. 

Specifically, I am disputing the following : Multiple Collection Agencies Reporting the Same Debt : XXXX XXXX XXXX has an original debt date of XX/XX/XXXX, while XXXX XXXX XXXX shows an original debt date of XX/XX/XXXX. This discrepancy indicates a lack of accurate reporting and due diligence on the part of the credit bureaus. 
Failure to XXXX XXXX : Despite my dispute, the credit bureaus have continued to report this debt without conducting an adequate investigation to verify its accuracy, as required by the FCRA. 
Inaccurate XXXX Practices : The collection agencies involved have failed to provide any documentation to substantiate the alleged debt, which further violates the guidelines set forth in the FCRA. 
The continued inaccurate reporting of this debt is negatively impacting my XXXX XXXX and financial well-being. I request that the Consumer Financial Protection Bureau investigate this matter to ensure that the credit bureaus are held accountable for their actions and that my credit report is corrected accordingly. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumers are protected under the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My previous insurance carrier exited the XXXX XXXXt. There was a 9 day stub period between insurance renewals. The stub period was out of my control. The insurance agency was unable to bind a policy timely due to the timing of notification. Florida statutes allow only 30 calendar days of non-renewal notice during the XXXX and XXXX XXXX holiday. The main XXXX policy was paid out of pocket effective XX/XX/XXXX for {$4200.00} XXXX I was charged {$260.00} for the stub period between the XXXX term and the XXXX renewal by Truist for a stub policy. Truist refused to allow me to pay the {$260.00} and has sat as an " escrow '' deficit since XXXX of XXXX. 

Suntrust refused to allow me to pay the {$260.00} directly for the 9 day gap.. Suntrust did not notify me during their evaluation process until whatever process they have concluded. Suntrust unilaterally established an escrow because of the {$260.00} deficit they refused to allow me to pay. 

Their reasoning is that because I had an escrow deficit, I must now establish an escrow. The conditions they forced upon me are because of their own actions. This is a contradiction and illogical.
Consumer complaint received 2023-05-23
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. (OH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (WI)

Please be advised that under Section 611 ( 5 ) ( A ) of FCRA-creditors are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious customer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA. Despite my previous written request, the unverified item listed below still remain on my credit report in violation with Federal Law. You have failed to send me copies of the SIGNED APPLICATION with MY SIGNATURE proving that the account in question belongs to me, yet you are still reporting the debt on my credit report.
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX TRANUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear TRANSUNION, I am writing to formally dispute a fraudulent account reported by XXXX XXXX on my credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX ( XXXX ) Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX filed a collection through the company XXXX XXXX XXXX ( Account # XXXX ) for the amount of {$650.00} for a health plan for a dog named XXXX that does not belong to me since I only have XXXX dog named XXXX and my account is in good standing with no outstanding balance. 

In Accordance with the Fair Credit Reporting Act Account # XXXX of 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 an account without my written instructions.
Consumer complaint received 2023-03-27
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: Fidelity National Information Services, Inc. (FNIS) (GA)

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my written instructions 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. 16815-2 ( 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. 


XXXX XXXX XXXXXXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Amsher Collection services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023, I have not received any documentary evidence such as a trilateral contract giving Amsher Collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from Amsher Collection services. If Amsher Collection services 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 this 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 alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Amsher Collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This consumer expects that this collection will be removed from the consumer credit report for all XXXX credit reporting agencies. If this documentary evidence can not be produced and Amsher Collection services continues its collection efforts ( which includes negative credit reporting ), I will file for litigation for actual damages caused and Amsher Collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (NC)

In XX/XX/2020, I sent a dispute letter to Navy Federal CU requesting that they verify debts that are being reported to the credit bureaus ; a total of 5 accounts being reported. I included my social security card and driver 's license. The requested items included : A summary of all account activities Copies of documents and financial instruments used to pay the disputed items Copies of all promissory notes and other documents to prove indebtedness I received a response back from NFCU, on XX/XX/2020, that they needed my access number to verify the accounts. However, my access number was printed on their response letter sent to me, so they obviously knew who I was and was able to pull my information based on the identification documents provided. 

While disputing these accounts with the credit bureaus, I sent an follow-up letter, on XX/XX/2020, with all account numbers that were being reported to the bureaus, and asked for the same verification documents ; which is my right under the FCRA and Title 15, Section 1666 of the US Code. My response letter stated that if they could not provide the documents within 30 days required by law, then they should proceed to delete records from my consumer reports. During the dispute with the credit bureaus and NFCU, NFCU continued to report this debt and even updated the account numbers that were reporting on my credit file. 

The response to me from the Consumer Loan Services Supervisor, of NFCU, on XX/XX/2020, was that they have investigated my claim and the debt is accurate. None of the requested items were provided that are required under law, and til this day NFCU continues to report the updated 4 accounts to the credit bureaus.
Consumer complaint received 2023-05-24
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. (OH)

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

There are four ( XXXX ) homeowners insurance policies attached to my property, which has TWO houses on the parcel : ( XXXX ) homeowner 's policy for the main/front house ( XXXX ) earthquake policy for the main/front house XXXX XXXX XXXX homeowner 's policy to the guest house ( XXXX ) earthquake policy for the guest house. 
All of these insurance policies are with XXXX XXXX, which also pays the California XXXX XXXX ( XXXX ) for the earthquake policies. 
In the 28 years I've owned my home, every loan servicer has paid all 4 policies on time, every time, when they are due in XXXX. 
When I refinanced my mortgage with United Wholesale Mortgage ( UWM ) in XX/XX/2021, UWM was given all 4 policies by my mortgage broker and my XXXX XXXX agent. UWM only impounded the homeowner 's policy for the main house. UWM has a portal in which to send messages and to upload the additional policies, which I need to have impounded so that I have stability in my monthly payments. Their portal wouldn't allow me to upload the documents. I called their Customer Service in XXXX AND XXXX. I was given a fax number and told to have my insurance agent fax the policies to UWM. My XXXX XXXX agent 's office has done this at least 3 times now. On the 2nd call I made to UWM Customer Service, I was told UWM doesn't impound earthquake policies because they're not home insurance. Yes they are ; these policies pay me if there is damage to my property as a result of an earthquake event. 
With great effort, I finally got UWM to add the homeowner 's policy for the guest house with the assistance of my mortgage broker ; however, they haven't adjusted my monthly mortgage yet. But UWM refuses to add my earthquake policies because they insist these are not part of homeowners ' insurance. 
Again, every single loan servicer has always impounded and paid these 4 insurance policies. I really need help from CFPB because UWM isn't being cooperative and providing the service I deserve and have always received from previous loan servicers. I'm a senior citizen too, so this is even more distressful to me. I can't afford to pay {$3000.00} for the earthquake policies in XXXX that haven't been impounded because the impounding helps me with monthly budgeting.
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. ThXXXX XXXXn/TransUnion/XXXXx Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

You must remove this account that I disputed previously I did sent you the letter through certified mail but you failed to removed accounts that are unverifiable they are not attached to any address of mine so how are the accounts verified.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION is not in compliance with fair credit reporting act and FCRA after XXXX XXXX  and collection agency hired by XXXX fail to comply with Under the Fair Debt collection Practices Act ( FDCPA ) by simply validate a debt they claim and report unfairly to TRANSUNION. I have contacted XXXX, but they wanted me to deal with the collection agency which I did proving to them debt is not mine, but collection agency want me to deal with another agency which I did and showed evidence i am not responsible for that debt at the point in XX/XX/XXXX they send the attached letter to go back to the beginning of the circle to XXXX which I did contact to show them what I have, or at least verify the debt, but was ignored for more than 30 days. As attached documents display what I was getting form all parties, circling me around between all three.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

LoanCare Acct # XXXX is reporting the verbiage " Student loan-payment deferred- Account in Forbearance '' on my credit report. This account is NOT in forbearance. This account is current and has never been late. The verbiage is preventing me from being able to Refinance my home. I have called several times and have been told that the issue has been resolved but it has not.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (IA)

I had to file for bankruptcy at the start of the year. While I was in the process of filing I made very clear to my Loan Originator ( GM Financial ) that my intent was to REAFFIRM the loan after the bankruptcy was discharged. At that time I was informed that I would not be able to do anything regarding reaffirmation until AFTER the loan was discharged. To be clear, this was information given to me DIRECTLY by the GM Financial Collections and Bankruptcy departments. 

After the bankruptcy was discharged, I attempted to resolve the loan with them and have it reinstated. At that point they informed me there was nothing they can do, despite being provided with the name and information of the individuals who informed me otherwise. 

Since the bankruptcy was discharged, I have had nothing but problems in dealing with GM Financial. Every single time I try to call in I get transferred multiple times, and most of the time I get transferred I get disconnected and have to call back. I can not access any information about what I owe on the vehicle, I can't see payment dates, payment amounts, I don't even know what I owe on the vehicle anymore. This is entirely unacceptable. 

I want my loan reaffirmed. If the loan can not be reaffirmed because it was discharged, I need a NEW loan based on the current payoff balance, with the same terms as before. I am NOT trying to get one over or cheat the system, I want to be able to interact with GM Financial and with my Auto Loan in the same manner as every other GM Financial customer. It is absolutely unacceptable that I have received multiple different explanations. It is absolutely unacceptable that every time I call in I have to be transferred multiple times. It is absolutely unacceptable that I have to call multiple times because I keep getting disconnected. 

I just want this fixed so I can monitor my loan account like a normal XXXX customer
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I requested my credit report from anualcreditreport.com where it clearly states " During the COVID-19 pandemic, accessing your credit is important. That's why Equifax, XXXX  and XXXX  are continuing to offer free weekly credit reports. '' I was unable to process it on line so I requested by mail. I received a letter ( attached ) that I had to pay because I have already received a report in the last 12 months.