davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (PA)

I was recently affected by Equifax reporting wrong credit score is in the wrong account information on my consumer report. I recently received an adverse action for a consumer credit transaction. I am certain this information is why I didnt get approval for my consumer credit transaction and would like to submit a demand for removal, not an investigation dispute. Equifax violated my rights and privacy. I understand pursuing to 15 U.S.C 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Pursuing to 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I did not give written consent for Equifax to furnish a consumer report on me. They are violating 15 U.S.C 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. .Equifax is choosing to ignore the law and violate my federal consumer rights. Equifax is in significant violation of 15 U.S.C chapter 94 Privacy - Subchapter 2 - FRAUDULENT ACCESS TO FINANCIAL INFORMATION ( XXXX )
Consumer complaint received 2023-03-17
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( 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 correction due to inaccurate reporting in my file. I need the following inquiries to be deleted as soon as possible 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

to whom it may concern, i recently sent out letters in regard to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed account has been updated. 

XXXX XXXX XXXX XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent a letter of inaccurate and unknown things on my consumer report. It has been well over 30 days, and I have yet to receive a response from the investigation I requested. I feel as if I am being taken advantage of and it is causing me a lot of stress. Pursuant to 15 USC 1681i ( a ), states that a failure to respond to my investigation requestion within a 30-day interval is grounds for immediate removal. Being that it has been over 30 days. I demand that these inaccuracies be removed immediately. these inaccuracies are causing me a great deal of stress and migraines every time I think about it. if these inaccuracies are not removed I will be forced to file for litigation.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXDept of EDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these accounts multiple times in an attempt to get them investigated or deleted. They have violated my rights numerous times. According to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer
Consumer complaint received 2022-08-04
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. (DE)

I have been disputing with Equifax credit bureau that the following accounts : Department of Education/XXXX/, Department of EducationXXXX and US Department of Education XXXX. These accounts have been on my credit report report for more than 10 years and I have been disputing them to be deleted from my credit report. But all the credit bureau does is keep verifying that the information is accurate or that that the accounts belong to me. I know the accounts belong to me and that the information is being reported accurately. I just want the accounts deleted from my credit file. They have been on my credit report for over 10 years and it's the credit bureau responsibility to remove accounts that have reached that timeframe. I spoke to a rep on XX/XX/2022 who told me that she deleted these accounts from my credit report. Only to find out she gave me false information. I've been disputing these accounts since XX/XX/2022 and still nothing has been done. They told me today XX/XX/2022 to call the Department of Education and provided me a phone number XXXX to have them send them a deletion letter to remove the accounts ; however, the phone number doesn't even work. I called them back to tell them and basically was told since their still in dispute that I'll have to wait until the dispute gets resolved.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

In XX/XX/XXXX, I wrote a check for my XXXX mortgage payment to XXXX XXXX LoanCare , LLC. The check was dated XX/XX/XXXX. LoanCare has no way to confirm receipt of payment by the mortgagee. Payments are made to a XXXX XXXX XXXX There is no way for someone to track and purchase a signature confirmation of receipt by the XXXX Postal Service. LoanCare holds the mortgagee accountable to make payments, however, we can not hold them accountable to receive and apply payments timely. The payment was not received until XX/XX/XXXX and it was not processed by Loancare until XX/XX/XXXX. The accounts payable office is very unprofessional. This has caused me to have one month in the rear every time I make a payment since this payment did not post to my account. The funds were unavailable when LoanCare attempted to process them. This is completely unacceptable. I should be able to pay my mortgage through a normal process and not have to pay additional funds to have it overnighted to get a signature receipt. That is the only way mortgagees can hold LoanCare accountable for when a payment was received. However, it will not be processed until a month later. I have attached the check statement showing when the check was received. I also have the NSF fee showing when the payment was attempted to be collected but the funds were unavailbale.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Dear CFPB, Transunion and XXXX XXXX I am writing to dispute the accuracy of the information that you have reported to my credit report, which I believe is in violation of the Fair Credit Reporting Act and my consumer rights. 

Firstly, I have noticed that XXXX XXXX has reported a debt on my credit report that is inaccurate. According to the Fair Credit Reporting Act, you have a duty to ensure that the information you report is accurate and up-to-date. However, the information you have reported is inaccurate, and I am requesting that you remove this information from my credit report immediately. 

Furthermore, I believe that Transunion has failed to properly investigate my dispute and take appropriate action to correct the inaccurate information reported by XXXX XXXX. The Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of disputes and correct any inaccurate information. However, I have not seen any evidence that Transunion has taken these necessary steps. 

In addition, I am concerned that XXXX XXXX and Transunion have violated my consumer rights by failing to provide me with the required notices and disclosures regarding the collection of this debt. Under the Fair Debt Collection Practices Act, consumers have the right to receive certain information regarding the collection of a debt, and failure to provide this information is a violation of my rights. 

Therefore, I request that you take immediate action to investigate and correct the inaccurate information reported by XXXX XXXX, as well as provide me with the required notices and disclosures regarding the collection of this debt. If you fail to take action, I will be forced to pursue legal remedies to protect my rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (AK)

On XX/XX/22 I received a phone call from FBCS at XXXX am, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from XXXX XXXX to the tune of {$500.00}. I have not received any communication from XXXX for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially one I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a one party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had two debt companies calling me on the same day for the same amount of money from the same creditor.
Consumer complaint received 2022-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On, or about, XXXX XX/XX/XXXX I logged into my USAA account and saw a new message. This message is labeled Provide your information to Claim Funds ( dated XXXX XXXX XXXX, attached ). I opened the document and saw that there was an unclaimed check that was issued to me on XX/XX/XXXX for the amount of {$1200.00}. The document noted that I needed to respond by XX/XX/XXXX to avoid the unclaimed property from going to the state of Connecticut. The document had a form to fill out with information regarding how I wanted the funds delivered to me. I denoted that I wanted the funds deposited in my USAA checking account. I mailed the requested information to USAA. I do not know the specific day that I mailed the requested information, but it was early in the month of XXXX. I had several phone conversations with USAA regarding this document as described here : XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), and XXXX XXXX ( XXXX hr XXXX min ). These phone calls revealed that the form was to avoid escheatment of these funds. During the phone call on XXXX XXXX, the USAA representative confirmed that they have my signed form in their system denoting how I want the funds deposited in my account ( logged in USAA XXXX on XXXX XX/XX/XXXX ) and that the funds can take up to 60 days to be deposited in my account ; based on this, the funds should arrive in my account by XXXX XX/XX/XXXX. The funds were still not in my account by the end of XXXX XX/XX/XXXX, which prompted me to call USAA again on XXXX XXXX On XXXX XXXX I spoke to XXXX representatives who all tried to find the document I was talking about. We eventually learned that the funds were issued from the Mortgage Department at USAA, but they could not locate the check nor issue me the funds. They also informed me that USAA received my signed document on XXXX XX/XX/XXXX ( which should have started the 60 day counter from there ). The best they could do is credit the funds to my account, which will take another XXXX business days for the funds to arrive in my account. I have no confidence that these funds will be deposited to my account.
Consumer complaint received 2022-08-04
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX ( SYNCB/CARECR ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy. 

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have spoken to multiple parties at 5/3rd regarding this and they have advised they have no way of disputing the unauthorized charge that has posted to my 5/3rd credit card account ending in XXXX. The charge relates to overdraft protection, a feature that is not referenced in the original terms associated with the account, and rather 5/3rd reports they added this to my checking account ending in XXXX at some point in time, though they can't tell me when this was added. They suggest I authorized the addition of this feature to my account however, they are unable to provide any evidence of this and suggested that I would have received a phone call requesting this authorization, a phone call they do not have a recording of. 

I never agreed to, nor did I authorize the bank to add this to my checking account, nor did I authorize them to bill my credit card without my authorization. 

I called to dispute this authorized charge which I did not make, however, 5/3rd advised that they do not have the ability to dispute their own charges. The representative I spoke with advised me that he would need to transfer me to the checking departments disputes team, however, when I spoke with the representative he transferred me to she wasn't able to offer any assistance other than confirming that I did not authorize the charge to my credit card and that 5/3rd did not have any authorization on file to add the overdraft protection to my checking account or to use my credit card as the source of funds. 

This is a charge that I did not make, nor did I authorize. 5/3rd can not hold me accountable for unauthorized charges to third parties, nor can it levy unauthorized charges to my credit card and attempt to hold me accountable for the charges.
Consumer complaint received 2022-08-04
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. (TX)

I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my Account on XX/XX/2023 without me knowing. 

The account had {$2300.00} and they also held my two paychecks hostage totaling {$1700.00}. This adds up to {$4000.00}. 

I was told by XXXX about two weeks ago at Bank Of America that there was a return of all of the money in my account, but no other information was given to me.
Consumer complaint received 2024-10-27
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX-XXXX  -- XX/XX/year> XXXX XXXX  -- XX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.