davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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. (WY)

XXXX  XXXX I have paid this account off and it was never late or missed a payment ; I called XXXX and they sent me a letter stating that I never missed a payment and was never late, XXXX  and Transunion are reporting fraudulently that a missed/late payment happen XXXX of XXXX I have sent XXXX  and Transunion this letter and this fraudulently information still is reporting on my credit report. Please have them remove this account all together or correct this account to correct statues.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (NY)

There are multiple inquiries on my report that are inaccurate and affecting my score. I need this rectified. I have tried reaching out to the creditor contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX in hopes of resolving this issue. I have never purchased a vehicle from this automobile dealership. the inquiry date is XX/XX/2021. I have no idea who used my information to try and get a car loan. There were multiple inquiries made on the XXXX under experian. An additional one was done on the XX/XX/2021 a day later. This is severely affecting my credit score and is being reported on there inaccurately.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I sent Mr. Copper a copy of my divorce decree requesting that my name be removed from the mortgage of the home he was awarded as part of our divorce settlement. It has been almost two years and they refuse to remove my name from the mortgage. This could impact my credit negatively is he decides to stop paying the mortgage.
Consumer complaint received 2023-05-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I XXXX XXXX, Have a dispute with JPMorgan Chase home mortgage loan account # XXXX This dispute is regarding the property address XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX, This loan was open with XXXX in XXXX loan amount XXXX XXXX being the first mortgage holder, and Chase being the second. Chase loan was a conventional first stand alone 2nd mortgage loan amount XXXX both loans happen in XXXX in XXXX me and my husband experience a hardship and apply for a modification with the first mortgage XXXX in XXXX, we was not given a modification until XXXX, The new loan amount after paying for 9 years XXXX we later question Chase about the second one we had with them and they reduce our XXXX dollar payment for the XXXX loan to XXXX dollar and gave us a new modification loan although we did not have any missed payment with them they change the payment and added the deferred amount of XXXX to be added to what we still owed XXXX from the original amount this is nine years later, we recently pay off both loans in XX/XX/XXXX, and Chase sent a late payment report to the credit bureau of a missed payment for XXXX which is not true. Chase escalation department stated that they will not change the report and it will be on my record for seven years but they can see that I paid and refuse to amended this report.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America credit card consumer. Unable to contact enterprise military staff benefits unit at B of A. AI chat is gate keeping. Unable to address having a credit card account that does not reduce payments after a year of paying the same amount every month. What kind of interest is producing this action? I do not use the card I just make timely payments. 
Consulted staff at branches, it takes so long to connect with credit card division for in-house staff. Prompted by the Federal Trade Commission to connect with CFPB due to being retired military.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX * I had filed a FRAUD ALERT on my credit card with Capital One * Capital One rightfully closed my credit card in question and mailed me a new card XXXX * I received an alert from Credit Karma that my Credit scores had dropped by * XXXX Points on XXXX * XXXX Points on XXXX When I read the detailed credit report XXXX I noticed that CapitalOne had reported a credit card balance of {$4700.00} ( An increase from {$0.00} to {$4700.00} ). This reporting was done OUT OF CYCLE - Not in line with my statement generation dates. 

I called CapitalOne on XXXX separate dates ( XX/XX/XXXX & XX/XX/XXXX ) and have been passed around multiple times with no resolution. CapitalOne blatantly DENIES the fact that they had reported my card balances inappropriately to the credit bureaus
Consumer complaint received 2022-11-16
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. (NV)

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 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. 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 2021-07-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX To Whom it may  Concern : This is this complaint is submitted Under FRCA 609 OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. This account is not accurate XXXX XXXX XXXX # XXXX error please delete under FCRA 609, 623,611.
Consumer complaint received 2022-07-30
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (IN)

I received the 2 small deposits and withdrawals from my bank account. When I tried to verify my account it says that my bank is not in network. If thats the casewhy were you able to deposit and withdraw from my bank that is not in your network??? I am not opening another bank account for this nonsense. I will find another card if this isnt fixed!! Kind of seems like fraud to me. If this problem cant be fixed on YOUR end ( no I am not jumping through hoops with my bank ) please cancel the account.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TN)

I disputed the account with LVNV FUNDING XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is XXXX XXXX. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!
Consumer complaint received 2024-09-04
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. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Immediate Removal of Late Payments from Credit Report The banking system relies heavily on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, while unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the system. Consumer reporting agencies play a vital role in gathering and evaluating consumer credit and other information. It is imperative to ensure that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. 

15 U.S. Code 1666b - Timing of Payments A creditor may not classify a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I have the right to privacy. This is further supported by the Privacy Act of 1974, as outlined in 5 U.S. Code 552 regarding public information and agency rules, opinions, orders, records, and proceedings.
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

XX/XX/2022 I went to Wells Fargo XXXX XXXX, TX bank and with the help of a banker filled up the corresponding Wire Transfer Services, Outgoing Wire Transfer Request in order to send to my bank in XXXX XXXX the total of my " Everyday checking account '' XXXX {$220000.00}, the banker told me the amount would be in XXXX in XXXX minutes ; the transfer has not been sent yet, XX/XX/2022. The Wells Fargo manager XXXX XXXX phoned on XX/XX/2022 and said he would start a new transfer procedure without my signature. But by now there are zero dollars in my account and I do not know where is my money. My telephone calls to that bank manager have not been answered nor my emails.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2021-07-07
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: Resurgent Capital Services L.P. (MO)

I already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved! 
LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (NJ)

Meridian Financial Services. Notice received the week of XXXX XXXX, Responded back to the company by letter which was mailed priority mail, Company failed to respond back within the allotted time frame, Per the Fair Credit Reporting Act. At this time I am requesting the appropriate action take place. The letter was received by Meridian per my USPS tracking number on XX/XX/2020. This company has been reported as a Scam and many people have also lost money. Company has changed there name more than once. I would like this reported and amount removed from Collections from XXXX XXXX. If you need to reach me regarding additional documents. Feel free to contact my wife XXXX XXXX via email : XXXX or by phone at XXXX. 

The name of the Company in collections for is XX/XX/XXXX XXXXXX/XX/XXXXXXXX Also know as XX/XX/XXXX. 

Thanks in advance.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received a call from someone stating that they were from a law firm trying to collect a debt from an old closed bank account that I have not used in over eight years. She told me I had until XXXX today to settle this debt or they would continue the lawsuit and report me to the big 3 credit agencies. She said they would also send me to XXXX XXXX and I would not be able to have a bank account for 5 years. She emailed me a letter and I called the law firm for more information but I keep getting sent to voicemail.