davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-21
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)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IA)

I did XXXX wire transfers on XX/XX/23 for a total of XXXX, from my bank in XXXX, XXXX XXXX XXXX XXXX to bank account in JP Morgan Chase in XXXX, the funds were never put into that account, and the purchase that I was trying to do never happened, I told my bank to let Chase know that and to return the money back to my account. This never happened, Chase is saying that the Department of the Treasury was holding my money because it was meant for a purchase of a house in XXXX, which owner of said property in in the US, so the money was not actually leaving the United States it would always stay here. I personally called the Department of the Treasury and was told that they never had that money and to put a claim with the FDIC, I did this on Tuesday XX/XX/23 and they said to reach out to you guys. Please help me with this situation, its a lot of money that they are holding for no reason whatsoever. The purchase that I was trying to do with that money was cancelled and I just want the money back in my account ASAP.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to dispute account XXXX XXXX  - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to dispute account XXXX - XXXX on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 

In accordance with 15 USC 1666b, I am requesting that this account be either completely removed from my credit report or updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. 

Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX party. They in fact did not come from a XXXX 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
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. (FL)

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY COLLECTION XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-26
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. (PA)

I recently review my credit report and noticed a reinserted account on my consumer report. 

Consumer Financial Protection Bureau Subject : Complaint Against [ TRANSUNION ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account XXXX XXXXXXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ TRANSUNION ] within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ TRANSUNION ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ TRANSUNION ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Dispute of Charge off Account Under the Fair Debt Collection Practices Act ( FDCPA ) in MD, the Internal Revenue Code Section1099-C & 15 U.S. C. 1681 ( XXXX ) Dear XXXX XXXXXXXX, I am writing to formally dispute the debt collection of this Charge off account [ XXXX ]. I have this debt being reported on my consumer report. This debt is reported as a Charge off and under IRS code 1099-C once a debt is charged off its considered income and can not be considered a debt. Also according to XXXX XXXXXXXX under the Fair Debt Collection Practices Act ( FDCPA ) ( a ) Within XXXX days of the debt collectors first contact, he or she must send you a written validation notice telling you the amount of money you owe, the creditor to whom you owe the money, and what to do if you believe there was a mistake and you dont owe the money. I did not receive a notice from XXXX XXXX with this information. Additionally, under Code 1099-C, creditors are obligated to issue a Form 1099-C when they cancel or discharge a debt of { {$600.00} } or more. Lastly per U S C 1681 ( e ) ( b ) Disputing Capital One 's reporting using 15 U.S.C. 1681 ( e ) ( b ) necessitates a careful examination of the reported information. The provided details reveal discrepancies across the XXXX major credit bureaus, XXXX, TransUnion, and XXXX, regarding the date account was opened, reported, last activity, last payment and payment history. While the Fair Credit Reporting Act ( FCRA ) mandates accurate reporting, inconsistencies such as differing payment history raise questions about the accuracy and completeness of the reported data. Furthermore, discrepancies in balance information & date last verified among the bureaus undermine the reliability of the reported data. Therefore, under 15 U.S.C. 1681 ( e ) ( b ), XXXX XXXX did not provide accurate information to ensure compliance with FCRA standards and to safeguard my consumer credit rights. I have attached my consumer report dated XX/XX/year>. There are many inaccuracies such as the OPENING DATE OF THE CARD, THE LAST REPORT DATE, DATE OF LAST ACTIVE, LAST DATE VERIFIED, DATE OF LAST PAYMENT, HIGH BALANCE, & PAYMENT HISTORY these things are inaccurate across all three consumer reports. I am disputing the validity of the debt on my consumer report due to lack of validation of debt according to XXXX XXXX Federal Debt Collection Practices Act ( FDCPA ), inaccuracies on my consumer report according to 15 U.S.C 1681 ( e ), & the Internal Revenue Code Section 1099-C, once a debt is charged off its considered income and can not be considered a debt. As a consumer, I have the right to receive accurate and comprehensive information about any alleged debt. Given the aforementioned reasons, I demand a deletion/removal of this account [ XXXX ] immediately with XXXX XXXX violating MULTIPLE violations of my consumer rights.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX  XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 

Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Consumer complaint received 2024-07-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union has been involved in multiple deceptive practices, including but not limited to the violation of RESPA, TILA, FDCPA, SCRA, Extortion and more.

After refinancing my mortgage with Navy Federal Credit Union in XX/XX/year>, shortly after, they had transfered/sold the debt to a third party in XX/XX/year>. 
The sale is to be done in accordance with Florida statutory requirement of law F.S.A. 677.501, which has not happened. The acquiring of rights is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031, which has not happened, and true assignment of the debt is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031 has not happened. Until this day, I never received a notice about their transaction, which was required to happen within 30 days. 
Also XXXX XXXX, Guaranteed XXXX Pass-Through Securities and MX Securities XXXX XXXX XXXX XXXX XXXX, and Trustee : XXXX XXXX XXXX XXXX are not mentioned in the Deed of Trust. 
Navy Federal Credit Union has given up all its rights to XXXX XXXX in XX/XX/year>, but fail to record it within the Official Records of the XXXX XXXX XXXX XXXX XXXX & # XXXX ; XXXX XXXX, which makes it void under Uniform Electronic Transactions Act ( XXXX ) XXXX XXXX. 
The Note has not been indorsed by the Original Lender, Navy Federal Credit Union. 
This evidences that no negotiation under F.S.A. 677.501 concerning negotiable instruments has occurred. Clearly Navy Federal Credit Union has released none of its interest in the XXXX XXXX Note. 
The XXXX XXXX Mortgage is governed by Florida State Law. Florida State Law and Federal Law recognize and require proper recordation of assignment to transfer ownership of the XXXX XXXX Mortgage. 
Navy Federal Credit Union retained no beneficial interest in the XXXX XXXX XXXX XXXX ( the debt ) after selling the XXXX XXXX Intangible Obligation ( the debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No assignments of the XXXX XXXX Mortgage to the XXXX XXXX Trust have been recorded into the Official Records of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Office. There is no evidence of negotiations of the XXXX XXXX Note to the XXXX XXXX XXXX. With no properly recorded owner of the XXXX XXXX Mortgage, there is no one to enforce the conditions over the XXXX XXXX Intangible Obligation ( the debt ) which is no longer evidenced by the XXXX XXXX Note. The XXXX XXXX XXXX ( the debt ) is no longer secured by the XXXX XXXX XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies. 

According to 15 U.S.C 1681i ( XXXX ) regarding the XXXX of XXXX, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.