davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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: Radius Global Solutions LLC (LA)

I began receiving collection letters and calls from XXXX XXXX XXXX stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for XXXX XXXX XXXX. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named Radius Global Solutions LLC. I called Radius Global Solutions LLC and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from Radius Global Solutions. On XX/XX/, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.
Consumer complaint received 2023-02-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

XXXX XXXX Veteran XXXX XXXX XXXX now complains against MetLife. 
MetLife was fined {$120.00} million dollars for residential mortgage fraud committed from XXXX to XXXX, my fraud was committed on XX/XX/XXXX and continuing because I am being overcharged at 5.5 % interest which was falsely claimed at my home loan closing when I was quoted 4.5 %. MetLife 's now disbarred attorney XXXX XXXX, and their XXXX Georgia Home Loan manager XXXX XXXX ambushed me at the closing and said the VA had approved 5.5 % interest because my house was under {$50000.00}. Not only did the XXXX VA Regional Office later tell me that MetLife had made a false claim, but, I have the entire history of the VA Public Laws and nowhere is there any VA Public Law providing lenders a higher rate if the house is under {$50000.00}. XXXX recently published a report that many Veterans are being overcharged. My research on this which I will attempt to attach, shows that in XXXX XXXX, 3 Congressmen pushed Public Law 104-110 which only permitted the secretary of the VA the power to change the VA Home Loan interest rate from the traditional 1/2 percent below XXXX rate to " negotiation '', but not even MetLife or my FOIA requests or letters to the Secretary of the VA, no one, can produce any change signed by the VA Secretary from XXXX to XXXX, and even beyond, allowing negotiation. Because of the MetLife $ XXXX fine, my loan wound up with XXXX and I have not only been overcharged at 5.5 % interest, but my report to the CFPB has never been answered to me even though XXXX XXXX XXXX has just been fined by the CFPB for what they did to me and others, XXXX raisded my payments to {$370.00} from {$330.00} and ignored my requests for an explanation why, and XXXX concealed the CARES ACT from me which would have helped at the time to get my interest rate down to 2.7 %. MetLife also owes me {$230000.00} for concealing my life insurance policy and denying I had one, and, they caused me personal injury by not paying my VA Dental Insurance claims causing me to lose at least5 one, and probably two teeth. XXXX XXXX XXXX reported this as " The insurance industry under investigation. MetLife signed a 22 State Consent Order promising to pay me and then denied I even had a policy. Please help this time. Please send me additional space to submit documentation. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (RI)

Misleading by bonus promotion enroll by XX/XX/XXXX fund new money by XX/XX/XXXX On XX/XX/XXXX transferred money from ally online savings to XXXX XXXX  On XX/XX/XXXX ally sends me notice that if I enroll by XX/XX/XXXX I can receive up to a XXXX cash bonus and that if I am eligible I will receive confirmation. Which I did. 
On XX/XX/XXXX ally sends me notice " nice work ****** you have been enrolled in our 1 % cash bonus program. Move new money into account by XX/XX/XXXX to become eligible. 
On XX/XX/XXXX requested a transfer of XXXX to ally bank On XX/XX/XXXX ally received XXXX transfer deposit Ally bank has since claimed they are not going to pay me XXXX since the money I deposited was not new money. Why then, did they send me a personal email promotion and then following up informing me of my eligibility and acceptance. 

Ally claim # XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian you are reporting inaccurate personal information on my consumer report. I have file a dispute informing Experian that my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that Experian remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind Experian you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (VA)

Essentially, my payment history with all my creditors was 100 % up until the start of the Covid-19 Pandemic. There was a global disaster that prevented me from making payments, but they have a random payment established for me in XXXX, 2020 that is not made by me. I believe the payment history can be proven to be 100 % prior to covid, and as such, a goodwill deletion of the account is only right. I've contacted the company to no avail. If covid-19 isn't good enough, id like to request the company provide document proving that the payment history theyre reporting is accurate, considering i do not believe i made 2 of the payments on there.
Consumer complaint received 2024-11-01
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)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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: NAVY FEDERAL CREDIT UNION (GA)

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : NAVY FCU balance {$0.00} 30days late NAVY FCU balance {$3100.00} 60 days late account reporting CLOSED Thank you, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One 360 Savings Bonus. Capital One ran a special whereas if one opened one or more accounts between XXXX and XXXX of XXXX, in the amounts from {$25000.00} and {$100000.00}, and these amounts did not decrease for three months by XX/XX/XXXX, a bonus would be paid on XX/XX/XXXX in the amount of 1 % for each account. ( {$250.00} and {$1000.00} ) I opened up two accounts in these amounts on or just prior to XX/XX/XXXX. It was mentioned to me that one could not have a current open savings account with Capital One after XX/XX/XXXX. Apparently I had a " dead '' account on file that was with XXXX balance and had been unused since that time. I believe that 1 ) Capital One altered the rules shortly after I made these deposits unknown to me, changing the wording and payout date. ( originally XX/XX/XXXX changing to XX/XX/XXXX. XXXX ) The ghost account had not been used for almost four years and most banks close such an account out after no activity. I assumed it was closed with no activity for the past four years. My belief is Capital One has pulled a " bait and switch '' whereas I had in excess of {$120000.00} tied up in the new accounts for over four months. I called them to no avail thus no bonus.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (VA)

Ladies and Gentlemen. Please be advised. I made a purchase with Jared XXXX in XX/XX/XXXX. Unfortunately, they are financed through Comenity bank. We never received the ring after purchasing, due to some modifications that were required. Because the ring was not ready by the promised date of delivery, we returned the purchase of the ring. However, Comenity bank had already started charging me interest. They initially charged me {$120.00} on XX/XX/XXXX. However, that amount significantly increased to {$500.00} the following month. This is AFTER the ring had been returned and was NOT on our possession. I contacted them NUMEROUS times to advise that we did not have the ring. But they advised that I was still required to pay the {$500.00}, even though the account was closed as well. After paying the total amount of {$500.00}, I was charged another {$8.00} the following month ( XX/XX/XXXX ). I paid that amount in addition to another {$15.00}. To prevent them from charging me an additional fee. The account is still closed on ALL the credit bureaus websites. But they refused to close the account and refund me the {$15.00} overpayment. I want them to refund my {$15.00} and PERMANENTLY close my account!
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (GA)

Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX, XXXX and Experian. Only Experian is showing XXXX XXXX XXXX on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX 
Status updated XX/XX/XXXX Balance - Balance updated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

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

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$730.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$120000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-22
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All three of the bureaus have had over 15 days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.
Consumer complaint received 2023-02-22
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX FST XXXX  XXXX XXXX COMM XXXX XXXX XXXX XXXX FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX SER XX/XX/2021 XXXX CARDS XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive found unauthorized hard inquiries on my credit report that are harming my score. Please delete these, as specified by 15 USC 1681b ( c ) ( 2 ).