davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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. (TX)

Regarding Transunion XXXX On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Transunion has on file ; and on XX/XX/2021 I sent Transunion a demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been XXXX days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

Legal Entity : Citibank , N.A . 
Product : XXXX XXXX XXXX Card Description of Issue : On XX/XX/2021 I instructed Citibank to close my XXXX XXXX XXXX XXXX via phone. I directed all payments to be paid in full ensuring account closure on the date of the phone call. This resulted in a final payout of XXXX on the date of closure ( XX/XX/2021 ). Following account closure, Citibank charged interest to my account of XXXX for the month of XX/XX/2021, then an additional late fee of XXXX on XX/XX/2021. These late fees were paid upon realization of said fees on XX/XX/2021. Citibank staff did not inform me of these interest charges or fees at the time of closure. 
Desired remedy : 1. Citibank , N.A . to return all interest and fees charged following account closure. 
2. Citibank , N.A . to ensure no negative reports occur on my report to the credit rating agencies and confirm when those reports have successfully been expunged.
Consumer complaint received 2022-12-20
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)

In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX**** reporting inaccurate on Equifax please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and Equifax please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (TX)

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (TX)

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have already contacted the companies listed below and they have nothing on file under my name. 

XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax has taken off a XXXX that was on my credit report incorrectly only to put it back after XXXX months. This mistake has damaged my credit file and cost me time and money, I was just denied a loan because of the inaccuracies of Equifax reporting. 

The item that is to be removed is : XXXX. Chapter XXXX XXXX XXXX I am sure that Equifax is aware of the provision of Section XXXX of the Fair Credit Reporting Acto of 1970 is clear, I want this account to be removed from all current and future credit reporting. 

Additionally please tell me the names of any individual and or organization that you spoke with so that I can speak with them. 

Section XXXX ( a ) plainly states that a failure to investigate this account within 30 days constitutes a reason for permanently delete of the information on my credit report. 

Thank you XXXX
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (CA)

On XX/XX/XXXX and XX/XX/XXXX I sent a dispute to XXXX, XXXX and XXXX about XXXX autoloan account that were open as a result of identity theft. This account is XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$XXXX} ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. XXXX, XXXX and XXXX didn't answer my dispute. 

Around XXXX XXXX I had lost my wallet which contained my ID and a little note that contained some of my passwords and my SSN number. I didn't lose my SSN card but my XXXX digit number was on the note that I had in my wallet. Sometime after, there were several transaction on my card such as food delivery and other expenses. About XXXX months later I found out my identity was used to purchase a car from XXXX after checking my credit karma account. When I spoke with XXXX, they said that a cosigner was attached to the account and the name was XXXX XXXX. I believe he was the person responsible for all this. I have reported this all to the police since then and I have been trying to let the bureaus know of this but no action has been taken.
Consumer complaint received 2021-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I called the bank on XX/XX/XXXX to payoff a personal loan with funds from a checking account, both at XXXX. The agent retrieved the payoff, took the information and said the loan would be paid off in XXXX days and gave me a confirmation number. Today XX/XX/XXXX, I check my online account and no pay off was made. However, a payment is due tomorrow. I called again today to voice my concerns. The agent initially told me I would owe {$7.00} more in interest but he could put in the request today. I explained that I would not be paying more interest due to an error on their part. I was surprised that when requesting to speak to a supervisor, I was told several times that the individual does not have a manger. Once he finally connected me, the manager eventually looked into my account enough to see that there was a request. Her suggestion was that I call back tomorrow to ensure the pay off occured because they do not make payments before the due date. This make zero sense and I can pay this loan at any time and was told it would take XXXX when I called on XX/XX/XXXX. The manager told me that if by tomorrow morning, it was not complete, that I should then " apply pressure '' to make sure it's done. I explained that this seemed like a lot to ask for a customer to take on and I was concerned that if it was not done timely, there would be an impact to my credit score. The Customer Service I received surprised me and I lack confidence. I am just trying to end my relationship with the bank.
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AmeriCollect (MI)

I was reviewing my consumer report and I noticed collection activity from Americollect Inc expressing that I owed a alleged debt of {$350.00}. Believing that this debt was paid in full, I then sent a debt validation to them. On XX/XX/XXXX, I received an letter with an itemized statement that had information from the hospital about myself that I didnt even know. These medical records are a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Americollect to have access to this information.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

To whom it may concern : I've requested a few times and spent over 8 hours on the phone waiting to get an answer from the underwriting team at American Express in regards to the platinum card. According to 15 USC 1602p this counts as " unauthorized use '' since I have not received any benefits but my credit was accessed. I am a natural person who is a creditor. 15 USC 1602 Definitions of Rule and Construction is where I'm getting the basis of this complaint from.

( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. 
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. 
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account is a duplicate reporting of debt reported by another collection agency. I want to inform you that the debt you are reporting is invalid as I already made a full payment on this amount.. My financial reputation is seriously damaged by keeping this on my file.
Consumer complaint received 2023-03-10
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: General Motors Financial Company, Inc. (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

My company had sent a wire from a business account on or about XX/XX/21 in the amount of {$4100.00} to JP Morgan Chase bank, commercial customer. The wire was sent with a typo in the account number, which we take responsibility for. The rest of the information was correct and accurate. Chase credited the funds to a recipient that did NOT match any of the information on the recipient details of said wire other than the account number. The sending financial institution reached out to chase multiple times immediately after this occurred with no response from chase other than : We are getting permission from our customer to debit the funds. Chase does not need the customer 's permission to debit said funds as they were credited erroneously to Chase 's customer. 

Chase was NEGLIGENT in not verifying a single piece of information on this wire and allowing it to flow through instead of rejecting same for a mismatch. This is a tremendous liability on XXXX issues as well as anti-money laundering checks. The fact that a wire can disappear to an unknown recipient 's bank, with no recourse is terrifying and Chase should be sanctioned for this and liable to return funds to the originating institution. 

Further, if for some reason Chase is not willing to do this or CFPB decides Chase is not liable, then, at a minimum, Chase must disclose the receiving party name, XXXX, address and phone number to the sending Financial Institution. Being that this recipient is committing acts of fraud by keeping said funds, in addition to unjust enrichment under civil law, Chase is duty bound to forward those details, so that we XXXX initiate suit in the relevant jurisdiction against said unknown recipient, which I fully intend to do. I am hoping someone at CFPB can get Chase to wisen up and act properly. 

Chase likely is short staffed and overworked which is why they let t things through without so much as a glance from a human in an effort to save costs, Well, there are costs to those they serve!
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MA)

XX/XX/2021 I sold my condo XXXX XXXX XXXX # XXXX, XXXX, MA XXXX. At the closing, my attorney held {$1000.00} in escrow until filing of documents at XXXX XXXX XXXX of Deeds. Unfortunately, the XXXX on the title to XXXX XXXX XXXX # XXXX, XXXX was filed XXXX ( both sides ) as : Recorded land = Book and page XXXX also Registered Land = Document Number XXXX. 
My LoanCare account XXXX. 
I have called weekly since XX/XX/2021 to explain this situation and ask that it be corrected to INCLUDE document number XXXX. I have sent several emails to XXXX and when I receive a response, it is ALWAYS Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXX, XXXX A.M.- XXXX P.M. Eastern time. We will provide you a response as quickly as possible. 
Sincerely, XXXX XXXX Department XXXX ID XXXX The latest letter I received in the mail was dated XX/XX/2021, stated We have performed the following action on your account : We have received and acknowledged your Recorded Satisfaction Document Once again, they have NOT done what is required of them. Now, my attorney XXXX, who has also written to Loancare with specific instructions to discharge the mortgage has not heard from them. The buyer of XXXX XXXX XXXX # XXXX XXXX has threatened to sue if this title is not cleared. I have spoken with the title company : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Ext : XXXX Email : XXXX. She told me she can not clear the title until LoanCare specifically sites the documents number XXXX. 

Everything I have explained here, is what I have repeatedly said to whomever answers the phone. I have asked to speak with supervisors and the answer is you claim is being excalated. 

Any help is most appreciated.
Consumer complaint received 2021-11-23
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: ALLY FINANCIAL INC. (NY)

There are some negative Items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX ALLY FINCL Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX