davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Consumer complaint received 2023-12-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AK)

I had a XXXX account back in XXXX and I removed my account in XXXX when I got married. The was other people on the account and it closed early of XXXX. Money was owed but it wasnt me who owed it. Also a second account by XXXX was opened and tried to bill me but I told them it was my phone number or me who opedned the account and had to contact XXXX twice to close that account. It was brought up again in XXXX but disputed and closed. Now in XXXX it is brought up by Jefferson Capital Services who put a debt collection on my credit report. But it also doesnt show its from a XXXX account it shows it as a new account from XXXX, making my credit score lower. I never record a call or mail in the paper about the collection, I o my noticed when I had to check my credit report.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

This company who represent Best Buy keeps on calling me daily or every other day, so little time away from XXXX more than once a day, even though I am making payments monthly. Theres no need to repeat calling me as they have been deducted money from my account monthly. I feel this is harassment like I try to sleep during the day as I work nights and this is quite too much and seems like the mount is not going down at all either Also says that my payments are late but they are schedule payments so its a lie and theyre bringing down my credit and this is the stop
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union (CA)

I am writing to file a dispute regarding an unauthorized charge on my account with First Tech Credit Union. On [ date ], I received notification of this charge, which I believe to be erroneous and unauthorized. Despite my repeated attempts to resolve this issue with First Tech Credit Union, they have denied my request to remove the charge and have failed to provide any evidence or explanation supporting their decision.

I have taken all necessary steps to resolve this matter directly with First Tech Credit Union, requesting documentation or evidence supporting the legitimacy of this charge. However, they have not provided me with any such evidence or explanation, leaving me in the dark regarding the basis of their decision. 

I would like to request your assistance in investigating this issue and facilitating a resolution. I firmly believe that this charge is unauthorized, and I have the right to be provided with evidence or an explanation from First Tech Credit Union to justify their decision to deny my request for removal. 

Enclosed, please find copies of any relevant documentation or correspondence related to this matter for your reference. if, no documentation is provided I ask that this charge be return and all charges I kindly ask for your prompt attention to this dispute and your assistance in ensuring that First Tech Credit Union provides the necessary evidence or explanation to support their decision. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (IL)

Identity theft on card by former employee. Chase referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
Chase just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (VA)

I have had a HELOC with US Bank for 3+ years, during which time I have never paid late or had an issue. 

My previous debt with them was paid in-full shortly after opening the account. 

I drew on my account more recently, and found the process overly confusing and riddled with fees. 

A mistake in configuration of my bank accounts caused a payment ( on AutoPay ) to be returned.

Autopay functionality was removed from my account at that point. I can now only make manual payments using specific $ amounts ( no pay-in-full option ).

I tried to pay the amount in full a few times, but continued being hit with late fees for incorrectly calculating my outstanding balance.

Each time I carried a balance and missed a payment I was hit with a new Late Charge due to AutoPay being disabled. 

On XX/XX/XXXX I called US Bank for the last time to receive a Payoff Quote and pay my full balance. I was quoted {$500.00} and made an immediate payment in that amount to fulfill my debt. 

On XX/XX/XXXX I received a notice in the mail that my account was in Default. 

I logged in and saw that I'd continued receiving late charges of {$29.00} each for the months of XXXX & XXXX. 

When I called I was told that the amount that I paid was incorrect for the time ( true principal was ( {$510.00}, a difference of {$3.00} ) and that it would have been my responsibility to know this and pay this amount in full. 

I was also told that payoff quotes should not be given over the phone, and are only valid if received in writing within 15 days. I was not aware of this process or had any reason to believe it to be the case. 

I have attempted to dispute this claim for two reasons : 1 ) I paid the amount I was quoted by a US Bank representative, and therefore should have no further obligation to them.

2 ) If there was a question of a miscalculation, I would begrudgingly pay the difference ( {$3.00} ) but to hold me responsible for interest & fees on the difference feels exceptionally unfair. 

While my case is much less dire than what people truly struggling with their finances go through every day, to me it highlights how dishonest and consumer hostile these practices are, and how quickly someone could lose their entire house or belongings due to these deceptive practices. 

As of today, while my request is still pending review by US Bank, I requested a PayOff Quote through their system and paid the amount in-full online. I am hopeful that if my request is denied and I am offered no-further remediation from them, this PayOff will put me in good standing with them so that I can put the issue behind me, although I will not hold my breath that either will be successful.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute Department [ XXXX Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with XXXX unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my mental health has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX - XXXX
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX i sent trasnunion a dispute in regards to some accounts that i felt were not mine. Till this day they have not processed my request that was mailed to them certified mail.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (PA)

XXXX XXXX Consumer ID # XXXX I am writing to dispute the following information By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. 
Name : XXXX XXXX XXXX XXXX ID # : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : PA ID Exp . Date : XX/XX/XXXX Alt ID # : XXXX XXXX Alt ID Type : Other Alt ID XXXX : PA Alt ID Exp. Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$7100.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse This is inaccurate information reported, I filed two complaints with Cfbp, and XXXX XXXX has admitted their fault and reimbursed me a {$35.00} overdraft, and regarding the amount of {$7100.00} has been posted on my credit card account attached copy of all statements and copies of complaint has filled and response from XXXX XXXX My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 

The report shows I owed money to the company that I have already repaid. 

The current status of my account is not correct. The report shows that I am account abused but I have made all of my payments on time copy attached
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Specialized Loan Servicing Holdings LLC (TX)

I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form. The servicing Company XXXX XXXX XXXX ( XXXX ) stated on the attached statement that you are Trustee of the loan. They are showing that interest and taxes accrued right up until the day of closing. 

I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.
Consumer complaint received 2023-12-07
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. (NV)

The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX XXXX XXXX XXXX XXXX or XXXX when I was given an indivisible name XXXX XXXX XXXX XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.
Consumer complaint received 2023-07-03
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. (MD)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is in CLEAR VIOLATION of the law.

These laws are put in place by congress.

Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The definition of consumer : consumer means an individual. 

The definition of person is : person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity The law clearly states that a consumer report does not include transactions or experiences between the consumer and the person making the report ; I demand that XXXX follows the law. A LATE PAYMENT IS CONSIDERED A TRANSACTION OR EXPERIENCE. 

Does XXXX not consider a late payment a transaction or experience?
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. XXXX sent me a letter on this date to that effect, and both my XXXX and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that XXXX had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at XXXX should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Consumer complaint received 2023-10-18
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX