davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (AR)

I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX 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 XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} 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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/year> XXXX XXXX XXXX Consumer Number : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your XX/XX/year> letter. I want to clarify that I am not disputing any information on my XXXX consumer report. My request is straightforward : I am asking that my UCC-1 financial transactions be added to my credit profile, in the same manner as any public record trade line reported by a credit bureau or data furnisher. 

I do not understand the basis for your indication of possible fraudulent activity, as there is nothing fraudulent in the information I have provided. Please explain what specifically raised this concern and why it affects the simple addition of my UCC-1 filings as public records to my report. 

To reiterate, I am asking for my UCC-1 filings, which are public records, to be treated as credit transactions and displayed on my profile, as would be done for any other trade line. This is not a dispute, but a request for the inclusion of accurate, relevant information. 

Please confirm receipt of this letter and inform me of any additional steps required to fulfill my request. I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I originally faxed my XXXX form to XXXX during the period when my loans were getting transferred to MOHELA ( XXXX, 2022 ). XXXX, like they were supposed to, forwarded it to MOHELA, but MOHELA sent it back to XXXX and they processed it, and sent a letter stating I had no eligible loans with them. 

In XXXX, I resent my XXXX form to MOHELA, which they denied a couple months later stating that the signature for the supervisor that signed my form wasn't a real signature ( which it was ). 

So I had to send the form a third time in XXXX. I finally hear back from them 4 months later in XXXX, and they're not counting 7 years of payments I made towards my loans in their XXXX XXXX calculations. They also stopped counting payments after the date I submitted the form, even though I'm still employed at the same business. 

I've also sent them a message in XXXX on a different topic and got an automated response 3 weeks later telling me to call their XXXX number. Why even have electronic support when you don't do anything with it? XXXX was much easier to work with.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXXXXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX  The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Auto Acceptance, LLC (TX)

I financed a XXXX XXXX from XXXX XXXX with Auto Acceptance. In XX/XX/XXXX the car was totaled by someone with XXXX insurance. My Collision declared the car a total loss so a check was issued for the value. I also had Gap which should have covered the remaining. Auto Acceptance is still charging me the monthly payment of {$450.00}, reporting to the credit bureau, and sending emails constantly. This can not be right and/or allowed.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-21
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

Citibank reduces credit limit from {$8500.00} to {$0.00} over the existing balance of about {$1400.00} on an account ending in XXXX. When I called XX/XX/2023, the three customer service representative took 15 minutes to verify who I was. Then told me I had to call XXXX for the reason why credit limit was reduced. Citbank runs this card under the Costco Anywhere Visa.

The only email notification of a change on my account was an email. This email didn't provide details, and the link was broken. Meaning I received a notice, but the notice didn't provide any reason why the credit limit was reduced.

In the banking industry this is called fee farming. Because if the account goes over the limit I'll get a fee, plus they can increase the interest rate. This is an unethical practice. Citibank didn't provide details to the customer service to respond to my inquiry. They pushed me off to someone else. 

My claim is that this is a programmatic model that maximizes fees and interest charged. Good payment performance with this bank is being overlooked.
Consumer complaint received 2022-11-28
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. (TX)

In Accordance with the Fair Credit reporting act XXXX Account number XXXX has violated my rights Account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 

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 instructions
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Consumer complaint received 2022-11-30
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. (NJ)

I recently check my consumer report and notice I had 2 late payment from 2 different companies XXXX XXXX and XXXX Bank and to be honest Im a smart consumer and I am fimilar with certain laws. 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 from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The 2 accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter
Consumer complaint received 2019-02-20
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: TRANSWORLD SYSTEMS INC (NV)

Transworld Systems Inc. has entered inaccurate information as a medical collections on my report. I do not know who this company is, I have never had business with company. I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verication is unacceptable.Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I DO NOT HAVE A CONTRACT WITH THEM. They have violated my Hippa rights by obtaining my medial information and billing ignorer to collect a debt that they purchased. They have updated my credit report as a " Paid '' collections and i have never paid them. I would like for them to prove their claim that I legally owe them money and that funds was paid to Transworld Systems Inc. PROVE IT!
Consumer complaint received 2023-02-20
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. (PA)

A XXXX XXXX XXXX XXXX was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the XXXXXXXX XXXX XXXX XXXX to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX. 

I have contacted the XXXX XXXX  on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through Experian showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your help.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

On XXXX XXXXXXXX XXXX, 2023 my Chase account showed suspicious activity of someone using my XXXX account. At this time a {$390.00} transaction was pending to someone I never heard of. I immediately contacted my bank and filed a complaint. They stated at that time it would be taken care of. 
On XXXX XXXXXXXX XXXX, 2023 my account showed it was no longer pending but had gone through and the money was taken out of my account. I once again contacted Chase and they stated it takes 2-5 business days for them to clear it up. I do have a reference # for this claim if needed. 
On XXXX  XXXX XXXX, 2023 I received an alert from Chase stating they would not refund my money that there was no suspicious activity seen in my account. I once again contacted them stating I would be changing banks if they didn't get this cleared up. They stated the only other thing to do was to contact XXXX. Which I did, to no avail. They sent me right back to Chase stating they needed to deal with it. 
I feel the fair resolution is for Chase to reimburse my account the {$390.00}. Especially since I caught it while pending. 
Respectfully, XXXX XXXX.
Consumer complaint received 2022-12-21
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX I tried to access my BMO Harris account online. I logged on to my account using my user name and password. There was a message that I must agree with BMO Harris Bank Digital Agreement before I could access my account information. I read the BMO Harris Bank Agreement but I did not agree with everything in the agreement. I did not have the option to disagree with any parts of this agreement. They did not provide the information regarding Illinois and Federal Law/Regulations that makes this banking agreement legal. I went into the local BMO Harris Bank branch in XXXX IL the same day and was told by the branch manager XXXX XXXX that unless I agree with the BMO Harris Bank Digital Agreement I will not be able to access my  account online. I have been doing online banking with Harris Bank and later BMO Harris Bank since XXXX and I have never had a problem accessing my online account information. I have a problem with the " You must agree to the terms outlined in the Digital Banking eSign Consent and Disclosure in order to proceed ''. I understand that if I don't agree with BMO Harris Bank policies that I can take my money out of the bank. I just want to know that banks like BMO Harris Bank can option out of any liabilities by having their customers waive away their rights by agreeing to these types of agreements.