davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX. # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX and Transunion refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Consumer complaint received 2024-09-07
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( XXXX ) : 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
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. (FL)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-25
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. (CA)

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : This is my second attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
- **Account Name : [ XXXX XXXX XXXX ] ** - **Account Number : [ XXXX ] ** The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Citi bank closed my checking account on XX/XX/2019, without send me a notification first and they told me once all the transaction is completed from pending then they will process closure my bank checking account and will issue me a cashier check for my remain money from my checking account, and all transaction completed at the same day XX/XX/XXXX and they still haven't mail me out the cashier check and i'm still waiting for it, i got all my money in it. so i called them today and asked them if they closed my account today and mail me out the cashier check i supposed to get from last week and they told me no and i asked them when are they going to closed my account? and they told me there's no time frame for it. so they are holding all my money and i could't get access to it at all.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

I was never notified by Sunrise Credit Services and they reported a nonpayment on my credit. I was unaware and there was zero communication or notification of any debt. I have nothing by phone, voicemail, no written attempts to collect a debt. Nothing! This is falsely and unfairly reported as I had no knowledge of this debt. This needs to be removed immediately and proper forms of communication made to make me aware of any said debt and validate the debt and if applicable to me. Please removed immediately!
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release
Consumer complaint received 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have had issues with XXXX customer service representatives since XX/XX/2018. Often times their representatives gave me false informations. 
For example ; 1. After consulting a federal loan specialist I was told I was in pay ahead status because of a payment I made when I was put in administrative forebearance ( a forebearance I was not told about when I switched from XXXX to XXXX ). When I called XXXX to report this I was repeatedly told by the customer service representative that I was NOT in pay ahead status. It wasnt until I spoke to a manager that I in fact was and they flagged my account as pay ahead. 
2. I have requested a detailed payment tracker report since XX/XX/2018.  I have followed up three times regarding the status of this report and have been told that they are working on it. They are unable to give me more information. Without this report I can not retroactively remove the pay ahead status. As per my loan advisor, PSLF can be nullified if I am in pay ahead status. 

Without my detailed payment tracker report, Im not sure if Ill qualify for PSLF program. I continue making payments on high interest loan with no end in sight.
Consumer complaint received 2024-07-25
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. (PA)

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Consumer complaint received 2019-02-24
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. (FL)

XXXX  & Equifax are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/scrub>XXXX XXXX XXXX I received a call from a Wells Fargo customer service number. The person on the phone was calling to confirm about fraudulent activity. He began to read back several of my current transactions to me and told me that there was fraudulent activity on my account. He instructed me through a process through XXXX, which resulted in me losing {$1000.00}. After I realize what had happened, I immediately contacted Wells Fargo and submitted a claim. I also filed a police report. Case number ( XXXX ). through the XXXX account I was able to find this persons phone number, cash app account, and a photo. 
ive XXXX the email and immediately after me calling this person text me from the number inserted below. 

XXXX XXXX ( XXXX ) XXXX Cash App : XXXX XXXX The next day, the same customer service number reached out to me again. This time I was able to record. The video is about six minutes long and Im not able to insert it but I am willing to email if needed. On this call the person requested that I wire money to the following routing number. 
( XXXX ). after this phone call, I was able to insert the video evidence into my police report and also gave Wells Fargo my police report claim number.
Consumer complaint received 2024-10-07
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: Fidelity National Information Services, Inc. (FNIS) (PA)

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: The CBE Group, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-07-25
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc. (TX)

I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.
Consumer complaint received 2024-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IL)

Received noticed after XX/XX/XXXX escrow analysis that there was an escrow shortage and my payment would be increased by about XXXX dollars per month to cover this. When reviewing the escrow analysis I identified that the property tax amount had been entered in error which brought the total amount up. On XX/XX/XXXX I called and spoke with someone at freedom mortgage who also identified this problem and stated it be fixed right away. On XX/XX/XXXX I noticed that the problem has not been corrected. I called and spent 52 minutes on the phone talking with a woman who transferred me and the problem was again identified and she stated it would be corrected. She said there would be another escrow analysis done in XXXX. I paid my normal mortgage payment amount of {$1400.00} for XX/XX/XXXX payment although the statement said I owed over XXXX ( payment had been {$1300.00} ). I paid {$1300.00} for the XX/XX/XXXX payment although the website/ account said over XXXX dollars was due again. Today I received an official document via e-mail from freedom mortgage stating that they were unsuccessful in contacting me about my delinquency, when I not received any calls from them. I also received a document stating that the account was delinquent and i had not payed the payments of {$1700.00} for XXXX and XXXX and a late fee had been added.