davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment was incorrectly reported due to a clerical error on the part of XXXX. My payment was made on time, as confirmed by my bank records, but was mistakenly recorded as late due to a processing error within XXXX 's system. This error has unjustly impacted my credit report and does not reflect my true payment history. 
Evidence provided : Bank statement showing the payment made on time. 
Confirmation from XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX  AUTO XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I obtained my card from Capital One on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), Capital One has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with Capital One several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Consumer complaint received 2022-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IL)

After my XXXX payment to XXXX XXXX, I set up a recurring payment. I selected the option to pay the minimum due plus whatever amount I specified. I specified 10 extra dollars. I had to do the setup twice because the first one was only set to pay for XXXX but I wanted it to recur until the loan was fully paid. 

I logged in to XXXX XXXX on XX/XX/XXXX after receiving an email that the monthly statement had been generated. I did this in order to make sure everything looked correct for the first auto payment. When I logged in, I saw the next payment amount was only {$10.00}. I called customer support to see why this looked like this and asked if I should change the amount. the customer service rep assured me that it would take out the minimum amount due plus {$10.00} on the due date of XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from UAS imploring me to pay my past due amount. I logged in and saw that I was only charged {$10.00} instead of the total due plus {$10.00}. Interest was also charged on XX/XX/XXXX and since it did not deduct my full payment, the interest was calculated at higher than it should have been. 

I called customer service again to 1 ) see why the payment didn't come out correctly when I was assured it would be on XX/XX/XXXX and XXXX ) if I could get some of the interest charges removed from my account since it was not my fault my payment wasn't deducted correctly. 

I spoke with XXXX who first told me they could not remove any interest despite what happened. She told me I should set up my automatic payment differently and manually type in the amount as opposed to the amount due plus 10. It was raised to an account specialist after my repeated request to remove the interest that was incorrectly calculated, though when I asked the name of the account specialist, I was told it would be sent to a general email. 

I have since paid the remaining balance and changed the auto payment, but I took screenshots and attached them to this complaint ( with my account number redacted ).
Consumer complaint received 2022-07-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, US BKPT CT XXXXXXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IN)

I am disgusted that your agency allows companies to misleadingly send advertisements for prepaid cards in the mail to unsavvy consumers. I received what looked like a credit card in the mail with the standard e-mail land phone number on it to activate the card. But this was not a card for an account I have. It was an advertisement for a prepaid debit card that was designed to trick me into activating it like a replacement card on one of my accounts. 

Why do you allow this? 

This scam card is from " Netspend Prepaid XXXX '' from " XXXX XXXX XXXX, Member FDIC ''
Consumer complaint received 2022-07-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX Amount : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XX/XX/2022 I notified XXXX XXXX Experian that I was victim of identity theft.

The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (WA)

I am having an issue with my Mortgage Servicer, CrossCountry Mortgage We received a notice of nonpayment for our property taxes dated on XX/XX/2020 from the XXXX XXXX Treasury department. 

Logging in to my servicer 's website and viewing the transaction information for my escrow account, it is apparent that CrossCountry Mortgage had taken money from my escrow account and paid the property taxes for the wrong account number associated with a similar, but different address ( they missed the " S '' at the end of my address ). I can clearly see on the XXXX XXXX tax servicer 's website that my payment was applied to their property, and mine has not been paid. 

I called in and was told a " ticket had been placed with the tax department '' on XXXX XXXX I followed up on XXXX XXXX and was told to email their support line " XXXX '' with supporting documents - I did so and received a receipt of email confirmation, but have not received any email back. 

I followed up by calling again on XX/XX/XXXX and was told to expect a response from the tax department back the next day ( no such call came ). 

I called again on XX/XX/XXXX and was told that my request was being escalated to a manager, and to expect a call by the end of the day ( no such call came ). 

I have yet ( 9 days after my initial complaint ) to receive any call or communication from anybody at Cross Country mortgage indicating they are working on the problem or have made any progress towards resolution, I have only ever been able to call in and ask about the situation and receive a " we'll contact you later '' response. 

At this point, I am very concerned that my second tax payment for the year will not happen, late-payment interest penalties are increasing, and a tax lien could be placed on my home for non-payment.
Consumer complaint received 2022-08-21
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: Radius Global Solutions LLC (FL)

On XX/XX/2021 Radius Global Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from CONVERGENT OUTSOURCING Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter CONVERGENT OUTSOURCING they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) Your office has failed to respond to this validation requested documents stated in the validation letter all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately..Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Attached documents show contradictory explanations for unverifiable/inaccurate information for my XXXX ( XXXX ) student loan accounts with XXXX XXXX XXXX It is clear that XXXX has no intention of correcting the erroneous information and has sought instead to delay and dance around their responsibilities as a data-furnisher under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Under the doctrine of contributory negligence, XXXX is marking these accounts as CO because they failed to provide timely information for the accounts as required under TILARegulation Z and failed to conduct themselves under section E.1 ( b ) of the MPN ( p. 16 ). They do not even deny stopping statement generation ( ie. no paper statements and no electronic statements ). However their justifications vary grealy from changing an alleged status from " deferment '' to " forbearance '' to get around the provisions of XXXX ( b ) of the MPN, claiming XXXX knowledge of my XXXX and my alleged failure to request copies of my statements as a reasonable accommodation under XXXX for documents and access to electronic documents TILA/ XXXX XXXX and 12 U.S.C. 5533 make clear XXXX is required to provide to EVERY consumer. Their latest reasoning ( p. XXXX ) for these violations of law is allegedly due to returned mail from my address the CRAs can verify I continued to reside well after te alleged returned mail. Moreover, their latest reasoning claims they only began generating statements again once I " confirmed my mailing '' address. Not only is this non-sensical, but their own statement from XXXX XX/XX/XXXX ( p. XXXX ) makes clear that they allegedly had XXXX ( XXXX ) contact with me between XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. It is based upon this justification XXXX purports the derogatory information furnished to the CRAs is " valid '' The full scope of the erroneous/contradictory/unverifiable information is attached. If XXXX is supply responses to the CFPB that contradict its prior responses for issues that should have been resolved within the past XXXX ( XXXX ) years, then it is clear they are not verifying the accuracy/integrity of the data they are supply for these accounts in my credit files. At least XXXX ( XXXX ) of the CRAs has reached the same conclusion and removed the derogatory information from my credit files. XXXX claims ignorance and has sought to blame the CRAs for the inconsistencies. All of the erroneous information needs to go.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NY)

I mailed checks to an associate for {$10000.00} on XX/XX/XXXX. XXXX the check was stolen from the mail and deposited on XX/XX/XXXX at a bank in XXXX XXXX XXXX NJ on XXXX XXXX. I filed all of the relevant reports and affidavits with the Bank ( PNC ) and local police. I filed the affidavit with the bank on XX/XX/XXXX along with the relevant police reports in XXXX, KY and XXXX XXXX NJ. I have called PNC several times since for about a month regarding this issue and they have yet to refund my account for the stolen amount. I have escalated this issue with PNC 's fraud and complaint division. Both were either unresponsive and or unhelpful. They told me i would have to wait up to 120 days for an issue like this to be resolved. In the meantime, they said they were not going to give me even a provisional credit for my account. I have had to do all of the followup with this including with police with several jurisdictions and PNC has not been able to assist with this issue or even give me information about this issue
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I am writing this complaint to WELLS FARGO. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on Credit Reporting Agency without my knowledge or permission. In accordance with the Fair Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.