davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (DC)

I am attempting to correct my credit report with Equifax, XXXX, and XXXX. On my Equifax credit report states it states that I have an account with XXXX. I contacted Equifax to let them know that I do not have an account with Equifax because the account was transferred to XXXX. I disputed this claim and the during Equifax 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided Equifax with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of XXXX 's actions. XXXX acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error XXXX lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my XXXX bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have filed a police report and submitted it to Bank of America but still have not received my funds. This is my second time contacting the CFPB and the first time you didn't do anything to help me get my funds back. I reached out to XXXX XXXX 4 times and no response then they say their investigation is concluded without speaking to me. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX Sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-23
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: HYUNDAI CAPITAL AMERICA (VA)

On XX/XX/2020 I filed a dispute with XXXX over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and KIA Motors Finance immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last 4 digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, XXXX is reporting in its completed investigative report that my KIA account is in bankruptcy based upon KIA 's last update on XX/XX/2020. When I called KIA Motors Finance when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called XXXX with the file/control # that KIA provides to XXXX that reflects updated credit information but XXXX claimed they could not make any changes.
Consumer complaint received 2024-08-23
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. (AZ)

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 XXXXXXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX  : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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 2020-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NY)

I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX  eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. 

XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just disputed XXXX with following statement in my credit report. 

-- Also Known as XXXX XXXX XXXXXXXX XXXX -- Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- Telephone Number XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I received a Scam call claiming to be a debt collector with my full name, birth date, and address on hand. They demanded my social security number, debit card number, and front to back copies of my insurance cards and I.D . I explained that I'm on Social Security and I have XXXX and XXXX in full so I owe no such debt. The representative then became argumentative after I refused and told me to " Go XXXX myself '' and " You'll regret this ''. She then proceeded to immediately terminate the call. This situation occurred on Monday, XX/XX/2020 at XXXX XXXX. 

The number requesting this information called themselves XXXX XXXX and their phone number is XXXX.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview Loan Servicing LLC./XXXX XXXX failed to pay our homeowners insurance which is wrapped up in our mortgage. I called the insurance company, XXXX, to inquire and they advised that they had not received payment which was due on or before XXXX. 

On XX/XX/2020 I received a cancellation notice from XXXX due to non-payment. The cancellation date was XX/XX/2020 at XXXX XXXX. 

On XX/XX/2020 I received a reinstatement notice from XXXX advising that the policy had been reinstated, they received payment and were backdating policy to XX/XX/2020. 

On XX/XX/2020 I received a letter from XXXX/Lakeview advising that we failed to keep a homeowners insurance policy on our home and therefore they will insure our property through a company of their choosing and we will owe them money. 

Clear one side of this company does not know what the other side is doing as they are the entity that paid our policy but are now telling us we do not have a policy. 

This company is one of the most incompetent I have ever dealt with. I am frustrated that I have to take my time to deal with issues like this when it could have been avoided had they paid the policy on time.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-30
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. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-11-23
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (FL)

I am having multiple problems with this account. I have attempted to reach out to " XXXXXXXX XXXX '' multiple times by e-mail and telephone. The e-mails are mostly copy and paste replies that don't do anything to solve my problem. They have tried to call me but as they never set a time to call, so we're unable to connect. I have tried calling the number listed, but can't get past the automated voice prompts. The voice prompt does not accept my Social Security Number, and then the voice prompts go in circle and eventually disconnects the call. 

Problem # 1, and the main reason why I am filing a CFPB complaint. I was promised a {$50.00} bonus when signing up for a XXXX XXXX  account through the referral. I met the requirements of activating the card and initiating a direct deposit. The {$50.00} was not credited to my account. I am extremely disappointed about this. 

I used to open my account on XX/XX/2020. This is the link that I used : XXXX XXXX XXXX Problem # 2, XXXXXXXX XXXX  is the only bank I've ever used that does NOT accept my phone number. I tried entering it but it does not accept it. I used a friend 's phone number to sign up. Therefore, the number on my account is not even a valid phone number for me. 

Problem # 3, Their phone support system is completely broken. Every time I tried calling, it first prompts me to enter my Social Security number but then it does not accept it. I am unable to reach anybody. Even when I don't enter any numbers.. eventually the call just disconnects and I am unable to speak to anybody.
Consumer complaint received 2020-11-23
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. (NE)

Hello, My name is XXXX XXXX and I called and submitted a fraud alert with Experian back in XX/XX/2020. My rights under the FCRA was violated under 15 USC 1681C2. There was 19 inquiries involved within this fraud that Experian allowed to report on my credit report. I did not consent to any of these transactions to report nor did I benefit from them reporting. Experian removed all 19 of these accounts after their investigation which from my understanding is admission to me being violated under FCRA and according to civil liability in FCRA in pursuant to 15 U.S. Code 1681n they must be held accountable. I am seeking justice to be served.