davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXX I deposited the check into my checking account ( Bank of America ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. Bank of America ended up closing my account and asked me to pay a closing fee. I payed the fee to Bank of America which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and XXXX XXXX.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NOVA Financial Holding Company, LLC (AZ)

I was in forbearance through the CARES act back in XXXX. 
I entered a loan modification process with Nova XXXX XXXX / Nova XXXX back in XX/XX/XXXX. 
Made my XXXX trial payments XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. 
I submitted my notarized loan modification paperwork in XX/XX/XXXX. 
Monthly payments have been each month since XX/XX/XXXX- XX/XX/XXXX. 
I received " delinquency '' credit reporting from the 3 main credit bureaus - my credit report stated " XXXX days late '' - This information was inaccurate. 
I started investigating directly with my mortgage company the reasons this information was reported if it was not accurate. 
I was never later before or after entering the forbearance program. 
After several months from XX/XX/XXXX through XX/XX/XXXX attempting to fix this wrongful information reported to my credit. I had to contact XXXX  XXXX  in XX/XX/XXXX, the investor to for my loan. 
Fannie Mae contacted Nova Serving regarding this issue. It was until then that Nova Servicing started acting to try and assist. 
I ended my forbearance with Nova Servicing since back in XX/XX/XXXX ( after completing my 3 trial payments, submitting the final loan modification paperwork, and continue making my monthly payments up until XX/XX/XXXX ). 
I came to find out recently about 2-weeks ago that Nova Servicing had sent me the incorrect loan modification paperwork back in XXXX XXXX and that was the reason my loan modification process was on hold. 
I have been back and forth with the Nova Servicing center - because they originally made a mistake and 1st - reported 120+ day delinquency to the credit bureaus- and 2nd about 1 week ago reported my account as being in " forbearance '' - these 2 scenarios are not correct. 
I was reading about mortgage forbearance - in my situation my mortgage loan should not be reported as " account under forbearance '' since I have been making monthly payments since XX/XX/XXXX - Nova Servicing made mistake in their process, therefore, I do not think is reasonable that this servicing center made a mistake in their end, but yet they are affecting me tremendously by noting comments in my credit report that are not accurate. 
As of today XX/XX/XXXX - Nova Servicing is noting my credit report as " mortgage loan '' being on " forbearance '' - however, I have made several attempts to get this remove from my credit reporting as it is preventing me from refinancing and obtaining a new loan. Nova Servicing has admitted that they made a mistake by, reporting wrongful credit information and for sending me the incorrect loan modification paperwork.

I have made several attempts by email and phone message and have not received an answer as of today. Please help with this situation as it is affecting my quality of life.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (NY)

XXXX XXXX and early warning have stated that a fraudulent check was deposited into my XXXX  XXXX XXXX account but that was not authorized by me and i wasn't aware of it they have close my XXXX  XXXX XXXX account blocked me from opening any new accounts at any other bank
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my LOANCARE account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned LOANCARE account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX.
Consumer complaint received 2022-12-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Multiple unverified reports have 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 These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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. (DC)

XXXX XXXX XXXX placed a note on my TransUnion credit report on XX/XX/2022 stating that an account was opened XX/XX/2022, that there is an open balance of {$880.00}, and that it has been placed for collections. The original creditor is stated as being XXXX XXXX. This is not my debt. It is not listed on any other credit report and I have no idea what it is referring to. I did not enter into any new credit agreements or services in XX/XX/2022. Due to security breaches in the past, I am alerted to whenever a new report appears on my credit. As soon as I was notified of this false report, I initiated an online dispute per TransUnion instructions. TransUnion failed to properly investigate this debt and simply sent me an emailed report finding the debt valid. I am unable to contest the debt with the creditor, myself, as there is not enough information for me to find them. I have attached a screenshot of the report, which is my only documentation. Again, this is not my debt. 

I have also done some online research, and XXXX XXXX XXXX seems to have a pattern of putting fraudulent reports on people 's credit reports and when people are desperate to buy a house or car, they squeeze the people to pay the debt even though it is not theirs. This is definitely not my debt. XXXX XXXX XXXX should also be investigated. However, TransUnion should know that a report by this company is not valid.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute and request the eradication of a charge-off/collection account on my credit report associated with from XXXX XXXX Account XXXX XXXXXXXX. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am committed to enforcing these rights to rectify the inaccuracies in my credit report. 

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (WI)

I was accused of Fraud and Truist is now illegally holding my funds : On XX/XX/22 I went into Truist Bank, located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AL XXXX and opened up XXXX accounts. XXXX business checking 's accounts, and XXXX personal checking account. During my visit to the bank I provided the requested documents to verify my identify as well as paperwork for my LLC. These documents included my SSN, Drivers License and Articles of Incorporation for both of my business 's. The lady who assisted me in opening the accounts had to attempt multiple times to get the accounts open as there appeared to be something wrong with their computer system. Finally after some time she was able to open my accounts and she was even able to verify that I had a previous personal account with Truist so she would simply reopen that one. I was advised before I left to ensure that I funded the accounts and I was provided with documents showing my accounts had been opened and account information for transfer of funds. 

On XX/XX/22 I enroll in on-line bank with Truist and XXXX funded XXXX of the accounts. XXXX for {$500.00} for XXXX business account and the other for the personal account {$100.00}. I had to wait for verification to fund the other business account and when I attempted to log back into my account I was no longer able to access and it advised to call customer service. 

I contacted customer service who sent me back told me to contact the bank. The bank sent me back to customer service and the bank and forth went on for quite sometime. Neither the bank or the customer service knew what was going on. During XXXX of the calls a representative said the account was closed due to XXXX. I was very concerned by this and still no feedback was given on what was causing my accounts to be flagged as fraud. Considering I went into the branch to open my accounts and provided all the required legal documentation. I called back and asked for a supervisor. I finally got someone who was able to explain to me that they use a system call XXXX XXXX  and something flagged which is why the accounts where closed. I asked the rep why is this the first time I am hearing this. In addition, why was I allowed to not only open the account but you all allowed me to fund it. 

I contacted XXXX XXXX and requested a report as I was concerned that someone had done something fraudulent. When I received the report nothing was on the report. I reviewed the report with XXXX of their representative and nothing was being flagged as fraudulent or concerning. I called Truist bank and still no one would explain why I was denied an account, that I should receive something in the mail, and that I would never be allowed to open an account at Truist. As of today I have not received any information from Truist as to what was found to be fraudulent and my funds I used to fund the accounts have not been returned.
Consumer complaint received 2022-09-13
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. (NY)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

My Kia was stole in XXXX of 2022. XXXX marked it as a total loss, but then found the car 20 days later and cancelled the total loss in XXXX of 2022. 

I've been paying {$370.00} to Kia towards my car every month on time ( about {$3000.00} down from what it was at the time of the total loss ). A few weeks ago, someone from Kia reached out and said my car is still marked as a total loss because XXXX never called them. After I explained the situation, they said they would put a note on my file that it is not a total loss. I then called XXXX and asked that they reach out to Kia Finance to get it sorted. 

This month, I am unable to pay my car payment because my account was closed by Kia for " unpaid debt ''. No one from Kia called to tell me this was happening. I called Kia finance today and no one was willing to help me solve the issue. I was just told they needed someone from XXXX to call, they wouldn't provide me with a supervisor 's number to help me. But meanwhile, my car is now marked as unpaid debt, my credit most likely has taken a hit and I don't know if someone will try to repossess my car. Kia Finance said they sent a note of final notice to an old address, which they knew was the wrong one because I changed it over the phone with them XXXX weeks ago when they initially called me. So when he was telling me they sent me the notice, he read off an address that wasn't the one I just confirmed the call with. No one cared about my situation, and given this is a financial wing of a big institution, it's incredible that no one saw the urgency or issue in what they've done. I don't understand how so many steps seem to have been skipped to my detriment. 

This whole issue was started by Kia making a faulty car that was easy to steal. Now a year later, they somehow decide I'm not making payments when I can prove I've been paying every single month. Now I'm at the mercy of XXXX calling Kia in time before this goes further. I blame Kia Finance for not properly communicating to me or XXXX or checking my payments before closing my account. If XXXX had been the ones communicating with them to begin with, why am I the one being affected? WHERE HAS MY MONEY BEEN GOING THE LAST YEAR???? 

I want to understand how my payments over the last year have still been marked as debt, considering even when my car was considered a total loss, I had to continue making payments until XXXX sent them their payment. So how am I responsible for continuing to pay when it's another company 's responsibility to make a final payment, and when I do just that, my account closes?
Consumer complaint received 2022-07-05
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. (FL)

15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION ACCORIDING TO THE FCRPA. AFTER SEND IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND FASLEY AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN.
Consumer complaint received 2022-12-31
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. (AZ)

Previous Successful Complaint IDs : XXXX XX/XX/2022 XXXX XX/XX/2022 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 Page of Credit Report shows 5 accounts ever late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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.