davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I AM A FEDERALLY PROTECTED CONSUMER. IN XX/XX/2022, I FAXED A LETTER TO CHEXSYSTEMS AND DID NOT GET A RESPONSE. ON XX/XX/2022 I RECEIVED ANOTHER COPY OF THE ATTACHED CHEXSYSTEMS REPORT. I SENT ANOTHER LETTER TO CHEXSYSTEMS REQUESTING THE REMOVAL OF THE INACCURATE INFORMATION PER FCRA. IT HAS BEEN WELL OVER 30 DAYS AND CHEXSYSTEMS HAS NOT RESPONDED TO MY WRITTEN CONSUMER REQUEST. I WANT THE INFORMATION REMOVED FROM THE REPORT AND FILE AS THEY ARE INACCURATE AND CHEXSYSTEMS WAS NOT GIVEN THE AUTHORITY OR PERMISSION TO REPORT ANYTHING ON MY BEHALF.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Im a victim of identity theft. Someone opened a Bank of America checking account online using my name, date of birth, email address and SSN last night. I received three email alerts from the bank about my application for a new checking account getting approved without my authorization which proves that is an identity theft fraud. I have informed the Bank of America fraud department and they were able to close this new checking account but that is all that have been done. Im not sure if this person will continue to abuse my information therefore im raising an alarm to you about my identity being stolen. Please take appropriate action. Thanks.
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act the list of Accounts has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  account number XXXX All XXXX XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-22
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. (GA)

In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below
Consumer complaint received 2024-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citiban has blocked access to all of my accounts with no reason. They claimed that a letter was mailed on XX/XX/year> but as of the date of the complaint ne letter. The keep refusinfg to unblock my accounts. I have paid bills on my account such as rent and truck payments. No since they blocked my accounts my payments are lake and it affecting my credit. My rent has aready charged me a {$50.00} late fee and the late for my truck will be posted on my credit report. Thia is unacceptable. I been calling them every since the accounts been blocked and keep getting the run around.
Consumer complaint received 2022-11-23
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. (IL)

This is a general complain about XXXX, XXXX and Experian. As a consumer you can't contest your credit score, but those agencies do whatever they pleased to do. 
It takes years to fix your credit score, you pay off your debts slowly but surely and your credit score goes up 1 or 2 points a month sometimes not at all. 

A bit over 3 years ago my debt ratio was high over 50 % and scores were between XXXX, now 3 years later I got it down to 38 %. earning few points, a month and depending on agency and score they use I got XXXX or more. 

Recently I did a balance transfer from credit card and paid off 2 cards with high interest and the XXXX broke loose. That was supposed to help me right, only few days after my reported scores went down by XXXX points, I worked for over 3 years. How is this acceptable? I saw it on couple reports and assume more will follow. It was a transfer not taking extra debt. My score went to what it was at over 50 % debt ratios. How that works, It was a transfer again. Can someone explain why credit reporting agencies are allowed to do whatever they wish, no rules. Like you get these many points for this activity, that many for this or specific number taken away. Even when checking credit crazy high amount of points were taken away a year worth of it. Agencies will tell you you can't dispute credit score, but this is unethical practice. If Consumer Financial Protection Bureau ( CFPB ) can address that that would be great. There has to be the way to regulate credit bureaus. Thank you in advance.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the collection account reported by XXXX XXXX which is listed on my credit reports with XXXX, XXXX, and TransUnion. The account details indicate a balance of {$1300.00}, with the original creditor listed as XXXX XXXXXXXX XXXX XXXX XXXX. The account was opened on XX/XX/year>, and is marked as " XXXX '' with a status of " Derogatory '' and remarks including " Placed for collection '' and " Dispute resolved-subscriber disagrees. '' Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. 

I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires that XXXX XXXX provide a copy of the original signed agreement containing my full signature and Social Security number as evidence of the alleged obligation. Additionally, I request proof of assignment or transfer of the debt from XXXX XXXX XXXX XXXX XXXXXXXX. to XXXX XXXX, as required to establish the legal enforceability of this debt. Without these documents, this account must be considered unverifiable and removed from my credit report. 

The failure to provide adequate documentation violates 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to ensure the maximum possible accuracy of information on credit reports. Furthermore, the remarks stating " Dispute resolved-subscriber disagrees '' suggest previous disputes have not been adequately resolved or investigated in compliance with FCRA standards XXXX This reflects a violation of my rights under 15 U.S.C. 1681i ( a ), which requires a thorough reinvestigation of disputed information. 

As this account is inaccurate and unverifiable, I request its immediate removal and deletion from my credit reports with all three major credit bureaus. Continued reporting of an unverifiable or inaccurate collection account is a violation of my rights under both the FCRA and FDCPA, and I reserve the right to pursue further legal remedies if this matter is not promptly resolved.
Consumer complaint received 2023-08-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

I have been working with the Mortgage relief program application XXXX as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and I just got off the phone with them XX/XX/23 XXXX PST. They have stated that the issue appears to be that my servicer has given them an incorrect amount that was past due on our loan. The mortgage relief program released {$60000.00} to cross country mortgage but then cross country mortgage returned those funds to the program because a loan modification was completed and they didnt think that I was approved for the program. I was approved and the past due balance of our account is {$16000.00}. Cross country mortgage has closed my loss mitigation file. They need to reopen my loss mitigation file and let the Mortgage relief program know the correct past due balance of {$16000.00} so they can release those funds to bring my loan current and both companies can close out the file. The XX/XX/23 mortgage statement that I included shows that I am still {$16000.00} late on my mortgage. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX  has also closed out a previous ticket ( complaint # XXXX ) I had regarding this matter because they had promised to resolve it.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

I have disputed several incorrect items on my credit report plenty of times, but the items have not been removed from my report. Ive also sent in letters to dispute those items Ive called and try to get them to remove the items over the phone of disputed online also but nothing ever seems to work out for those items to be removed.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.
Consumer complaint received 2022-11-23
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention. 

The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management. 

I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX  in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning. 

I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard. 

I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability. 

Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector. 

Sincerely,
Consumer complaint received 2022-11-02
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TX)

Credit Karma Investigation Team, I would like to inform you about receiving our share of our tax refund in which my daughter and I have been used and claimed as dependents and sent to a Credit Karma account who belongs to XXXX XXXX using XXXX! This person has already fraud charges and has used us to get a larger refund amount! Keep advised it is being investigated by IRS.I have had an account with Credit Karma for over 2 years, with that XXXX should have our income tax information for previous years, this person who has entered our information, manually by taking our numbers down, used them, and in finding out, to avoid issues or myself reporting him, he allowed me full access to the account, handed me the debit card, then deactivated it without letting me know and ordered another to be delivered to his mother 's address, come to find out he emailed XXXX stating I had access and he didn't want me to have the access.Further action in filing charges is being taken. 

XXXX XXXX XXXX On Wed, XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX wrote :
Consumer complaint received 2022-12-16
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. (FL)

It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX- this account has been disputed before yet these bureaus come back with " accurate ''. This can not be the case since I have my most recent report which shows XXXX showing NO LATES ; XXXX  showing 2 lates on XX/XX/XXXX & XX/XX/XXXX ; XXXX  showing lates XX/XX/XXXX & XX/XX/XXXX All three credit bureaus are reporting different information for this account. Since I have disputed the account before and got a generic response back I am demanding the immediate deletion of this account for the credit bureaus failure to do a proper investigation and continuing to report different information regarding the same account.
Consumer complaint received 2022-08-14
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 an account without my written instructions.