davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (SC)

Please be advised that this is my Second WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report. As you are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these ITEM BELONG TO ME without any proof. Who in your company verified these accounts? How did they verify them? Again Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late - XXXX Never Late, XXXX XXXX XXXX You also stated that Adverse Account meaning accounts that has not been paid, been transfer or sold or date from first DELINQUENCY will stay on the report for seven years. I'm requesting that you send me documents of this.
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KS)

On XXXX XXXX I noticedon my XXXX XXXX  accountthatI was charged both {$190.00} and {$360.00} with description '' DEPT EDUCATION. '' I made {$180.00} for XXXX payment but *not* a {$360.00} payment. 
I immediatelycalled MOHELA. 
I was told that on their end the {$360.00} was still pending. I explained that I did not make a payment of {$360.00} becauseon XX/XX/XXXX, I called to confirm that my new payment is now {$190.00}. MOHELA was able to stop the payment of {$360.00}. But my bank statementas of XX/XX/XXXX, does not show a refund. 
On XX/XX/year> I noticed on my XXXX XXXX  Statement that I was double charged {$360.00} both on XXXX XXXX XXXX of XXXX immediatelycalled MOHELA.It was explained to me that I would receivea refund of {$730.00} for the double charge made XX/XX/XXXX and XX/XX/XXXX. I am still waitingto receivethat refund. 
On XX/XX/XXXX, I was told that I " should '' receivethe refund on XX/XX/XXXX for the {$360.00} taken out of my account on XXXX. I have not receivednotice on my XXXX XXXX  statement of a refund. I was also told on XX/XX/XXXX, that I " should '' receivemy refund of {$730.00} on XX/XX/XXXX. I was directed to call MOHELA on XX/XX/XXXX if I do not receivemy refund. 
It was explained to me that my case is now being investigated on their end.I asked for confirmation # for my expected refunds : XXXX XXXX XXXX XXXX I was told that accounting is behind and that my process will be a " waiting game '' and call for an update by XX/XX/XXXX. I will be doing so especially if I do not see a refund with the maybe-dates they provided. 
I was also told not to schedule advancepayments. I was reminded that I don't have to make payments at this time. I responded that it is my choice to continue to make payments or not. I choose to make a {$190.00} payment. 
I kept asking them, " How is it possible that MOHELA is able to take money out of my account without my authorization? I made a {$190.00} payment on XX/XX/XXXX, but not {$360.00}. How is your institution able to automatically take payments out of my account when I have not set up auto pay. '' They could not provide an answer. They only told me this case will be investigated.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-08-05
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. (PR)

This account was charge off on the following date : XX/XX/year> since them the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This innacurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglet has violated my rights. I am demanding a deletion of the following account : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TN)

I have sent multiple letters to these companies. Their lack of due diligence has cause me great harm and financial burden. I am unable to obtain credit and necessities in life due to inaccurate reporting. I request this be deleted immediately.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION (GA)

my Mother 's Car Was Stolen on XX/XX/XXXX i was XXXX at the time all our documents was stolen in that car Once i Became an Adult i Quickly Realized my Credit and name was fraudulently being used even Wrong Addresses and Incorrect Use of my Name, i reported to XXXX on XX/XX/XXXX provided the police report and proof of identity they removed the fraud account VyStar with a debt of {$1000.00}, opened XX/XX/XXXX then put it back on my credit report without fully investigating the documents provided i also have proof of them saying it was removed off my XXXX credit report on XX/XX/XXXX also with incorrect phone numbers listed the only number i own is XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MS)

sent cease and desist dispute letter XX/XX/year> asking validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced {$380.00} XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

I purchased a product from a retailer and subsequently returned it. The return was accepted by them on XX/XX/XXXX and was confirmed that it would be sent back to my original form of payment within 2-3 days. As of today, XX/XX/XXXX I still have not received it. I called Coinbase to inquire and they confirm that they do show there is a refund waiting for my account and has been sitting there for 3 days, but they are having issues crediting it to my account. They said they have to open a ticket and send me an email which could take another couple of days. Unacceptable. Theyve admittedly held my money for days without giving me access because they dont know how to give it to me.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank allowed charging of my account by XXXX XXXX XXXXXXXX XXXX. XXXX XXXX of XXXX my car for over a month and a half and charged me for Services that I requested. They supposedly did the repairs and documented them, but they undid the repairs on my car. I now have multiple serious problems with my car as a result of what they did to my car after their shady business practices. I still can not get repairs done on my car because of the fact that they never even fixed what they were supposed to in the first place, starting with My hood latch being fixed on my car. I requested that Chase undo the charge, as it was a fraudulent charge, given that the company sent me home with the car that they not only did damage to while my car was in there, hands, but they also didnt repair/undid the repairs that they were supposed to do. They provided Chase Bank with some shady and fraudulent proof, which I requested from Chase, but Chase never provided. I tested the charge, but Chase refused to give me the information, and closed my account notification. I did not find out that my account was closed until months after the fact. All of these things took place while I was grieving a significant loss of a close family member, in addition to dealing with a XXXX diagnosis of a parent, in addition to my own personal health concerns. Chase Bank ultimately ignored what I was saying to them and caused me serious financial harm, to the point that I couldnt even get my car fixed. I couldnt even prove that the repairs were not done because I didnt have the funds to do so in the first place, because Chase Bank put me in over a - {$4000.00} situation that I have been spiraling from, since. 

I am unsure which entity of Chase Bank this is, but it is XXXX  of the subsidiaries of Chase.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Serious issues, opening an account, closing an account, managing account, Problems caused by low funds in the account, problems with lender, charging the account, fraudulent charges, fraudulent individuals removing funds from my account over multiple accounts, problems with XXXX XXXX and report because of account, Issues over multiple accounts delayed transactions, lack of a presence of transactions that took place, hold on credit accounts because of delayed or frozen accounts, lack of information from banking company, Problems Making or receiving payments, Banking errors, Cashing a check, using ATM or debit card problems, Problems with funds being dispersed, and used in the way that I specified, problems accessing account, extreme issues with transactions being posted, extreme issues with delayed payments of accounts, complete lack of communication regarding accounts, Lack of publication of the state of multiple accounts and credit accounts, overdrafting fees, and charges to credit accounts, no communication from banking entity at all, complete closure of accounts without my knowledge or communication of closure of accounts. 

This problem is over Chase Bank and possibly multiple subsidiaries of Chase, including their credit card sector and personal banking sector in the United States.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This protection applies as long as customers account was already current. This applies to agreements made starting XX/XX/XXXX until 120 days after the XXXX national emergency ends. 

****In XX/XX/XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements under the Cares Act Credit reporting relief and security Act
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : 01/2019 Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Sunday, XXXX XXXX, I tried to make an online purchase of XXXX plane tickets from XXXX to XXXX XXXX over XXXX. My card was declined. I called the company, gave them the information they requested, they said the matter had been solved. I waited an hour, then tried to purchase the tickets again -- it was declined. I called the company again on Sunday. The fraud representative said to fax the front and back copy of my driver 's license along with a copy of the front of the card to the fraud phone line. I did that on Monday, XXXX XXXX. They said to wait XXXX hours. I tried to purchase the tickets again on XXXX XXXX XXXX. The card was declined. I called the fraud dept. They said to wait XXXX hours. I tried to use my card on XXXX XXXX XXXX. Declined. I called the fraud dept. They said they didn't get the fax. I had a copy from the school verifying that it was sent. Now we are at XXXX hrs. -- -still a problem. I will be sending the information they asked for in a certified letter to them, but I would appreciate it if you called them as well to get their act together. Thank you so much. 
XXXX