davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG 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 FCRA/ Metro 2 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. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  Late Payment {$8200.00} XXXX XXXX XXXX XXXX  Charge-off {$3000.00} XXXX XXXX XXXXXXXX Charge-off {$1300.00} XXXX XXXX XXXXXXXX Charge-off {$99.00} XXXX XXXX XXXXXXXX Charge-off {$5400.00}
Consumer complaint received 2024-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

CBHV-Debt Collector is a debt collector that is texting me and harassing me to collect {$2100.00} from XXXXXXXX XXXX XXXXXXXX date XX/XX/2022 without any billing notification mail or email notification after 3 years. XXXX CBHV is harassing me all of a sudden after 3 years. Nobody should be harrassed after 3 years of no billing notification, mail or email notification, telling me I owe medical bills. I have missed any chance to file a complaint at the time of service or now because it a prior insurance. CBHV will not give me any information regarding any details of the service date other then I own then and I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature I would like this to stop. I dont have any record of this service date, or recollect that I was at the hospital at that time. They are not in compliance with applicable state and federal laws, I would like that this fraudulent claim be cancelled in its entirety, I will be hiring an attorney for these many harassing claims and false statements.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$27000.00}
Consumer complaint received 2023-10-19
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: PNC Bank N.A. (NC)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Once again, Wells Fargo placed an ( 11 ) days hold on my recent deposit into my business account. 

The deposit was made on XX/XX/XXXX and this morning I was alerted that a hold has been placed on such deposit until XX/XX/XXXX. 

The check that is the source of the deposit that is being withheld is from a customer of mine for the past 12+ years and such checks are always drawn from the same customer 's XXXX XXXX XXXXXXXX account and never had any checks returned unpaid. 

Furthermore, I have been a customer of WF for over 25 years and have never had any banking issues, neither on my business nor on my personal accounts. 

I find this hold not only unjustifiable but also questionable. It is another example of consumer abuse by Wells Fargo. 

In a reply from WF to my previous complaint ( Case number : XXXX ), WF said the following : Occasionally, we may place a hold on a deposited check, particularly if : An account has had frequent overdrafts or returned items ( Never ) The account was recently opened ( the account has been open since XXXX ) The issuers account had a recent returned Item ( Not true ) The issuing bank notifies us that the deposited check could be returned unpaid ( Not true, because my customer confirmed that the check has cleared their account ) This is the second time in less than a year that I find my business disrupted by WF due to unjustifiable hold on deposits on my business account. 

Please, do something about this abuse by Wells Fargo... please put a stop to this continuous abuse by Wells Fargo.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy.

15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose
Consumer complaint received 2024-04-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc. (MI)

I was mislead when the debt from Allstate collection appeared on my credit report out the blue. I called and asked for a verification of debt all I got was a bill. It never really verified anything. Im in the process of buying a home so I dont have time to go back and forth with that company. I asked for a debt settlement and was told verbatim we can settle on the amount of {$1300.00} and I asked what about deleting it from my credit report the guy said well you have the tools to remove it. So I agreed to the settlement with Allstate collection. I immediately disputed the account after it was settled and now the company will not remove it after the guy told me that I have the tools to remove it. Im really upset about how Im treated and they are reporting a payment history which is unlawful because I never signed a contract with them. I wont this account removed immediately. I called and the company is giving me the run around after I paid. If I would have known theyd try this I would have never paid them at all. Why is the company still reporting and they accepted a settlement under false pretenses. Now Im unable to get a car or home loan at the time until this is resolved!
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I canceled card and requested just the balance owed so I could make payments to pay it. My original balance was XXXX but they keep sending Bill 's with more interest and emails. It is up XXXX now. I am a very low income XXXX who lost my job do to a XXXX. Need help with this please. These letters and emails are causing me too much stress and making me ill.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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
Consumer complaint received 2023-10-19
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. (GA)

This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (MI)

Request for Credit Reporting Information Update Dear CFPB, I hope this message finds you well. I am writing to request an update to my personal credit reporting information to ensure its accuracy. The correct information is as follows : - Name : XXXX XXXX XXXX - Date of Birth : XX/XX/XXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX Kindly review my credit report and make the necessary adjustments to reflect these accurate details. Having up-to-date and correct information is essential for my financial well-being, and I appreciate your prompt attention to this matter. 

Please notify me once the changes have been made or if you require any additional information from me. 

Thank you for your assistance in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (MO)

Freedom Mortgage was to complete a simple loan assumption for me due to a XXXX  about XXXX  years ago. I have paid the payment for the entire loan, about XXXX  years. All I needed to do was get my ex husband off the loan. The entire process which I've attempted over XXXX times in the past XXXX  years was convoluted, misleading, and there was no accurate communication from Freedom Mortgage Departments. They blamed internal data base issues, and other excuses for their data entry errors. They sent my personal information and data to the wrong mailing address after I called to verify the mailing address multiple times. They did not send me the correct correspondance about my account and the fact that after assumption my online account would be deleted, I would not be able to login, my payment would not be made, and all my information would be deleted. I called multiple times to try and understand how the payment would be made for XXXX. Today, the last day to pay, I had to spend XXXX XXXX XXXX on the phone all to find out I can no longer pay online and they just forgot to tell me about that and how all my payment history and statements would also no longer be available to me. Even tho I assumed a mortgage I've been on for the entire length of the loan. This makes no sense. This seems illegal, and there was nothing I did proactively to try to fix it that worked. There was nothing I could have done differently to fix this. It is misleading and seems illegal they would not disclose this info and then their mistakes would cause my payments to be not made ( had I not called them AGAIN today ). I've spent hours on the phone with them in the past month trying to address issues before they happen, they spent hours it seems to make the issues.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

Ive been an American Express ( Amex ) customer since XXXX have never been charged a late fee or interest charges as it relates to my credit cards. 

I recently opened a new Amex credit card under account XXXX but it seems the Autopay function did not carry over from my current Amex credit card to my new Amex credit card which resulted in a {$29.00} late fee on XX/XX/XXXX and {$58.00} interest charge on XX/XX/XXXX. 

I called Amex customer service on XX/XX/XXXX as asked why the auto payment did not occur for this account and was told that this needs to be manually entered. I requested the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) to be refunded as a one-time exception and was denied on the basis that this is a new account despite explaining that I have been a customer since XXXX and having explained that I was not aware that the auto-pay must be manually entered for each account.

It is my belief that Amex willfully engaged in deceptive financial practices to harm consumers by instituting a manual autopay function for each account for the sole purpose of charging late fees and interest charges. I would further accuse Amex of financial fraud and ask CFPB to investigate this further.

As resolution, ( 1 ) I ask CFPB to request Amex to refund the {$29.00} late fee and {$58.00} interest charge ( {$87.00} total ) back to my Amex account XXXX and ( 2 ) I ask CFPB to investigate AMEX for deceptive financial practices to harm consumers as it relates to this case for late fees and interest charges.

Thank you. 

Best, XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Card Services is continuing to illegally report on my consumer report after the 7 year cut off past the date of first delinquency. The account first went into default in XXXX of XXXX and has not been current since then. No payment was made to bring the account current since XXXX and the account should have been removed in XXXX of XXXX. The FCRA states that an account that is delinquent can appear on your consumer report for 7 years after the date of first delinquency, not the date that the account was charged off. 
Wells Fargo also never sent me any disclosures regarding my right to dispute the debts or charges or credit reporting that was inaccurate which is a violation of 15 USC 1666. Those disclosures are required by both state and federal law. 
The reporting of this seriously delinquent account has affected my credit in such a negative way that I have not been able to qualify for credit cards, loans, or cars. This is affecting my life to the point where I can no longer support myself or my business or most importantly my family.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act. the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I sent to the address for the cashier of the mortgage servicer ( SPS ) a check in the amount of {$100000.00} - It sent it XXXX XXXX XXXXXXXX. XXXX says it arrived at the cashier on XX/XX/28 at about XXXX. The check was made payable to me ( I endorsed it ) and them as the mortgage servicer. This check to fully pay off my mortgage. 

I have been calling them to find out the status with varying results. Today I spoke with XXXX who told me that their system showed that the check was there and was being researched. She then transferred me to their claims department where " XXXX '' told me that they didn't have the check ( including referencing that " XXXX '' told her that they didn't have it in XXXX XXXX XXXX ) and my best course of action was to get a new check. 

Getting a new check will be " difficult ' as it was the result of a lawsuit with an insurance company. I attach a XXXX receipt showing that they go the check. 

In my various contacts with SPS they have suggested that the check is there and they have escalated to have it applied to the account. 

Today after this they placed me on a long hold and then I was disconnected. The letter I attach is a copy of the one I sent in with the check. This one was addressed to the claims department.
Consumer complaint received 2023-10-19
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. (FL)

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. 

XXXXXX/XX/XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written 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 to believe that the information is inaccurate.