davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (OK)

I had a home loan with XXXX Bank. When I logged into XXXX 's payment system to pay my loan in XXXX of XXXX, I was notified that the loan had been sold to XXXX and to make my payment there. 

I logged into XXXX in XX/XX/XXXX to pay, but the loan did not show up. I called XXXX 's customer service line in XX/XX/XXXX and was told to be patient. The loan takes a bit to process and appears on the customer dashboard. I was reassured that I had a XXXX grace period to make the payment and to keep checking back. The loan never showed up on my dashboard for the entire month of XX/XX/XXXX. 

I logged in again in XX/XX/XXXX to pay the loan. It still was not available. I called XXXX 's customer service group again. I was given the same update : The loan is not yet ready ; be patient. You are still within your grace period. Keep checking back to see when it is available. The loan did not show up as payable during XX/XX/XXXX either. 

When I logged in in XXXX of XXXX, the loan appeared on the dashboard but would not let me pay it. I called XXXX 's customer service again. The lady on the phone said she could see the same thing. The loan was there, but she did not know why it prevented me from paying it. So she took a payment over the phone from me. She even waived the late payment fee due to the circumstances. This happened on XXXX XXXX, XXXX. She informed me that it would not be included in my credit report due to the circumstances. She also asked that I email XXXX 's technical support group for assistance on why it would not allow me to pay the loan. I sent this email the same day, XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, my credit monitoring service sent me an email stating XXXX of my accounts had been reported as delinquent. My XXXX XXXX dropped from a XXXX to a XXXX overnight. When I looked at which account they were saying was delinquent, I saw that it was the same loan that XXXX assumed. Since then, I have called XXXX XXXX times to get this resolved. They will not call me back. I have also placed a formal complaint with the XXXX XXXX XXXX XXXX using the form and process on their website. No one has contacted me back. 

In short, I have been trying to solve the problem XXXX created since XXXX of XXXX. My credit is still broken, XXXX still will not contact me back, and I need help getting them to fix this problem.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I received a person-to-person payment on XX/XX/XXXX. The money was successfully credited to my account. 3 days later the bank blocked my account, deleted my email and I was only able to recover it once I contacted the bank. When I recover my account I see that the bank reversed the payment without my authorization or prior consultation. Now the bank, when I explained that that money belongs to me and I did not authorize them to take it or return it, told me that I could file a complaint but that the money was already returned even though they claim that XXXX transfers are not cancelable, however they withdrew XXXX my account without my authorization
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Request for Removal of Inaccurate Late Payments from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an issue with my credit report that I believe requires immediate attention as it is affecting my creditworthiness and financial standing. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681B, it is mandated that the information in credit reports should be accurate and complete. 

Upon reviewing my credit report, I noticed that there were two late payments reported on my account. However, I would like to emphasize that these late payments were inaccurately listed. As a responsible consumer, I have always ensured timely payments on all my accounts. The information provided in my credit report does not reflect my accurate payment history, and this discrepancy is causing significant harm to my credit score and overall financial well-being. 

I kindly request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible. I have enclosed copies of relevant documents, such as my payment receipts and statements, to support my claim and verify my payment history. I believe that a thorough review of this evidence will confirm the inaccuracies in the late payment listings on my account. 

I am confident that your prompt attention to this matter will result in the removal of the erroneous information from my credit report, thereby restoring my creditworthiness to its accurate state. I appreciate your cooperation and understanding in resolving this issue. 

Please inform me in writing of the actions taken to investigate and rectify this matter. You can reach me at the phone number or email address provided above if you require any further information. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY ()

Commencing on or about XX/XX/year>, I fell victim to a multi layered scam operation which led me making deposits for a total amount of {$21000.00} USD from my XXXX XXXX XXXX account to TD Bank at the instructions of the scammers
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NH)

My Citi credit card ( ending XXXX ) which I use for day to day purchases, closed down XX/XX/XXXX without sufficient notice. The payments from my XXXX  checking account were delayed due to internal banking ACH issues and I made a recent payment XX/XX/XXXX. Please see attached supporting documentation. 

The credit card closure appears to be political corruption related. I helped the U.S. acquire property in XXXX while on a temporary overseas assignment a few years ago. This must have some connection.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (CA)

I closed my checking and savings account with BMO ( formerly Bank of the West ) in XX/XX/2023. I closed the accounts in good standing and was suprised that I recently received a notification of fees of {$45.00} for my checking and {$250.00} for my savings account. I have tried to call the customer service number but do not get any clear answers what these fees are for. I have limited mobility so I have yet to go to a branch but since becoming BMO most of the local branches are several miles away. At the time of closing the accounts I was told everything was squared up by the bank teller. This is confusing and frustrating.
Consumer complaint received 2023-10-05
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: Experian Information Solutions Inc. (NJ)

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX and XXXX XXXX ( along with the other two inquiries. )
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

I was involved in a hit and run accident.in XXXX XXXX XXXXXX/XX/XXXX. 
My insurance company XXXX has it at no fault. 
I moved to XXXX and insurance through XXXX went up to much. So my Daughter put me on her inchurance through XXXX. 
They go through a company called XXXX XXXX who has the accident at fault. I don't know where they get their information but I called them to dispute and they would not help me I have the report from XXXX saying I'm not at fault and I just want to clear all this up thank you. XXXX XXXX.
Consumer complaint received 2023-10-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I received a debt collection notice from IC System Inc for a XXXX XXXX account. 
IC System XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX I never opened up this account. It's also showing up on all three of my credit reports as a delinquent account. This is fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type XXXX Balance {$1600.00} Date Updated XX/XX/2023 Payment Received {$0.00} High Balance {$1600.00} Past Due {$1600.00} Pay Status >Collection< Date Closed XX/XX/2023 Estimated month and year this item will be removed XXXX/2030 Remarks PLACED FOR COLLECTION
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a charge-off showing on all three credit reporting agencies for XXXX XXXX XXXX XXXX which needs to be changed. This is not a charge-off as I am in a court-ordered payment plan with the creditor. I have disputed this with all three credit bureaus and even attached paperwork to show that I am in the payment plan, but they all came back saying that the creditor says the charge-off is accurate when it is not. It says that I owe {$6800.00} which is charged off and I have been disputing this since XX/XX/2023 to get it fixed.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.

deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (TX)

I pay my mortgage through my bank, on-line bill pay. My bank sends a check to Mr. Cooper. I paid on XXXX XXXX for XXXX payment. Because I have had so many problems w Mr. Cooper, on XX/XX/XXXX I noticed they had not processed my payment. I called and was told to pay a 2nd time, through their website to avoid late fees. I do not like paying on their website because of all the data breaches they've had but to avoid late fee, I did so. Mr. Cooper 's representative told me to stop payment on the initial check since they hadn't received it and thought it might be lost in the mail. Today XX/XX/XXXX, I get a letter stating I am getting a dishonored check fee on the payment THEY told me to stop! I could not get a person on the phone today. Automated phone service is impossible to get to a person. Had to go online and do a live chat which was took a lot of time and was not helpful at all!
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information.

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS.

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting actXX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
Consumer complaint received 2023-10-05
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. (VA)

Account info Account name XXXX XXXX XXXX XXXX  Account number 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 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.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.