davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (MI)

I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2020-11-24
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: CL Holdings LLC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-07-28
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. (AR)

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- I placed a lock on my credit /debit card because it was missing. I figured I had misplaced it in my jeans pocket or something. The lock is supposed to prevent charges from going through. 
- However, charges totaling {$300.00} were allowed to go through. When I called, they said they would issue a temporary credit however they did not. I called Bank of America to file a claim with the Claims department and spoke to the Supervisor, XXXX. He hung up on me. 
-Bank of America needs to have better fraud protections in place. 
- I have been a customer for over 30 years. I can not handle the stress of knowing that Im not protected in these events. I may look elsewhere if this is not resolved timely. The reason why I am reaching out is because of how I was treated by XXXX.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OH)

In late XXXX, I began the process of refinancing my home loan with Mr. Cooper ( my current loan is also with them, as I was hoping for a more streamlined process since I was already a customer ). 

After Mr. Cooper drug their feet about getting the process complete, we finally make it to closing day on XX/XX/XXXX. Mind you I had had little to no contact with my " Loan Processor '' at Mr. Cooper regarding any issues, updates, etc. at this point in time. For some unknown reason, the closing is canceled and I only find out through the notary who was set to come witness the signing. Mr. Cooper DID NOT contact me and advise me of the change, and only after several phone calls did I finally receive an answer from them. Something about some paperwork issue. 

The signing was rescheduled for the following day, XX/XX/XXXX. After the closing I was told by Mr. Cooper ( only after me attempting to establish contact first, and after several tries ) that the funds were to be dispersed to pay off the old loan by XX/XX/XXXX or XX/XX/XXXX. Both days went by and I had zero contact from my " Loan Processor ''. 

After 6 phone calls placed from me on XX/XX/XXXX and XX/XX/XXXX to my " Loan Processor '' and also to her supervisor, then her supervisor 's supervisor, I finally got someone to talk to me. Apparently a single date was incorrect so the signing had to be done again. I was also being charged late fees for my current loan, and was being contacted by the automated calling system of Mr. Cooper to make a payment. 

My " Loan Processor '' said on a recorded line that I will not need to make a payment for XXXX or XXXX on my current loan, but also stated that she would refuse to produce any document that stated I was not responsible for the late fees accrued due to Mr. Cooper 's mistake with the paperwork. 

The closing was once again moved, to XX/XX/XXXX in XXXX via a mobile notary. The paperwork was signed, and I was assessed a fee of about {$75.00} that was not disclosed ( it was listed in the disclosures but was not labeled as to what it was, just an errant extra charge ), and I tried to contact Mr. Cooper about why there was this fee, and they have refused to return my phone calls or emails since XX/XX/XXXX. I was told by my " Loan Processor '' that I was to receive some sort of lender credit and as such would not be paying anything out of pocket on closing day. Funds dispersment date was supposed to be XX/XX/XXXX but I have had no contact with Mr. Cooper regarding the matter. 

I did not get the late fees removed from my current loan my " Loan Processor '', and I have attempted to contact my " Loan Processor '' but she is out of the office until XX/XX/XXXX according to her autoreply email. 

I would like to know why Mr. Cooper has essentially refused to communicate with a current customer, lied about charges, not properly disclosed reason for charges, and what they are doing to improve and resolve the situation.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (MD)

I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed..
Consumer complaint received 2023-05-24
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. (PA)

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 2023-01-27
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: Bread Financial Holdings, Inc. (CT)

I am writing, as instructed by the customer service rep who I spoke to at XXXX XXXX Credit Card ( Comenity Bank ), regarding erroneous credit reporting and confirmation of reversals of several fees that I incurred due to Comenity Bank charging me a {$2.00} finance charge on my credit account AFTER I paid off a {$270.00} balance to bring the account to paid in full. This {$2.00} finance charge continued to build late fees without my knowledge, until I received a credit report decrease notification of XXXX points due to this situation. The XXXX XXXX customer service rep agreed that it was Comenitys error to not apply my full balance prior to the finance charge of {$2.00} which was applied to my account AFTER I paid the balance to {$0.00}. Due to Comenitys error, I had all the fees reversed, which I am enclosing with this letter, and I am now requesting that you completely remove the XXXX and XX/XX/XXXX and 60 day missed/late payment reporting on this account to all 3 credit bureaus and report as paid on time for all months since I opened the account in XX/XX/2022, as this is not right and not fair, since I paid the balance in full before the next statement was issued. I need this done immediately as my credit has now been damaged because of this error. Comenity reversing all the fees and my balance showing as a CREDIT showing $ XXXX just further supports that this was Comenitys error.

Please respond asap after you have removed all delinquent reporting to all three credit bureaus.I have opened two disputes on this matter with XXXX, but all I get is that it has been " UPDATED '' but does not show the removal of the 30 and 60 day late reporting, which I need REMOVED from all three credit bureaus. I have perfect credit aside from this nonsense and I need it fixed ASAP. I have paid as agreed and to {$0.00} back in XXXX XX/XX/2022.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth XXXX. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send me a new credit report.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My name is XXXX XXXX. I am submitting this complaint because a collection company ( XXXX XXXX XXXX XXXX ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with Capital One, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the Collection Company on several occasions and have asked the Collection Company to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the Collection Company that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The Collection Company has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in one hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. One of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the Collection Company, have a significant negative impact on my physical and mental health. I therefore urge the CFPD to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by XXXXXXXX XXXX XXXX XXXX. I also request guidance from CFPD on how I can file a counterclaim for the harm caused by this Collection Company.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I noticed 3 unauthorized XXXX charges on my Chase checking account.The 1st transaction occurred XX/XX/XXXX in the amount of {$350.00} ; This charge declined. 
On XX/XX/XXXX there were two additional charges. Ive listed the info below for your review : Date XX/XX/XXXX {$490.00} XXXX XXXX, {$700.00} XXXX XXXX. 
I was told by the Chase representative that the charges were sent via XXXX, a feature/app offered to chase customers deemed a fast and safe way to send & receive payment. XXXX, requires the Chase customer to enroll in the service. To date Chase has not provided the date ( s ) in a mm/dd/yyyy format I allegedly enrolled in the program. Chase issued a provisional credit and retracted the credit. I continued to dispute these unauthorized charges but unfortunately To date, Chase has not returned my funds. Although my card number changed, I was recently told there was an additional transaction on XX/XX/XXXX in the amount of {$490.00} for someone named XXXX XXXX in New Jersey ). 
I am a senior citizen on a fixed income. I thought this issue was something Chase couldve assisted me with but to date they have not. 
Please help me locate the culprit that has caused additional stress, undue burden, and get my money back expedtiously.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There are several inquiries on my consumer report that I did not consent to. These inquiries being furnished on my report by EQUIFAX do not have my written authorization or permissible purpose pursuant to the F.C.R.A and are in violation of XXXX XXXX XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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.

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 2023-08-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

I can no longer participate with my current repayment plan because the Navient student loan services change the terms and conditions. In addition, I was comfortable paying XXXX XXXX  monthly but after XX/XX/2023 I need to pay the full amount with no option using forbearance and higher interest rates. These options make it impossible for me to repay the loan back with my current salary.