davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I requested a balance transfer through my XXXX credit card who use XXXX XXXX as a third party. The balance transfer was approved and check was mailed by them to Capital One for the amount of {$7500.00} on XX/XX/23. Capital One deposited the check on XX/XX/23. The amount was taken off the Capital One account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my Capital One account. I have spoke with both parties multiple times. XXXX states the check as cashed and there is nothing else they can do. Capital One states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. Capital One refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that XXXX sent me a copy of. Last person I spoke with at Capital One said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to XXXX they again stated the check was cashed and no further investigation can be done.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. 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 reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXXXXXX XXXX XXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXX XXXX  XXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am making this statement as a Notary Public for and by the State of California ; After speaking with " XXXX, '' she has has confirmed that my home WILL NOT be part of the Loan Recast program as I have requested. My goal is to pay the overage amounts to the escrow account in order to lower the monthly payment DOWN from the current {$2700.00} to {$2600.00} starting in XX/XX/2023. In the new year, I want to re-assess my mortgage account every month until the payment is back down to around {$2000.00} / month - given that my home has actually gone down in value over the last year.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

The following phone number sent me a link stating that my bank- JP Morgan Chase, had frozen my account and to follow a link to unfreeze. Following the link it opens to an offical looking chase login site. They requested information such as SSN, driver 's license #, account info, etc. The phone number that sent the link was XXXX ( XXXX ) XXXX and the link XXXX XXXX XXXXXXXX. Once we called Chase to ask it this was from them they told us they would never text us or send any links.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my XXXX consumer report because the negative items listed have been updated due to the CFPB Breach. This violates 15 US Code 1681aia. / 15 US Code 1666b Dispute 1 : LATE PAYMENTS Account Number XXXX : XXXX XXXX Type of disputed information : CREDIT ACCOUNT Dates associated with the late payment items being disputed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The status of my account is incorrect. The report shows that I am delinquent but I have made all my payments on time. Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. I have requested a payment ledger and have not received it. Thank you for your assistance.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

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 2024-09-13
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)

" 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-13
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)

I was alarmed to notice unauthorized inquiries on my credit report this morning, with no clear reason why. When I checked my report, everything seemed normal at first, but then I saw these discrepancies. I tried refreshing my browser, hoping it was just an error, but nothing changed. This issue has left me extremely disappointed, and I am requesting that the documents I've submitted be properly reviewed so that I dont have to deal with this again.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (MI)

Requested validation of the debt from the original creditor XXXX to which now RADIUS GLOBAL SOLUTIONS LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX have charged off and closed the account prior selling it to RADIUS GLOBAL SOLUTIONS
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX XXXX 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (DC)

Between XX/XX/XXXX and XX/XX/XXXX, Navy Federal Credit Union ( XXXX XXXX NFCU or financial institution ) instantly rejected a personal loan application, rejected review of the loan application twice, and upon resubmission of the loan application, rejected it again, 4 times in all. The NFCU subjected me to a XXXX  loan application process just to obtain a revolving credit option on my accounts, back-watered me into overdraft, availed only overdraft protection service, for fees, and denied access to another person opening an account if such person is associated with me in such a way as to qualify for membership alignment with the membership service requirements established by the National Credit Union Association ( NCUA ) .

Past Incidents This is not the first time that NFCU has denied me service, as prior to XXXX the NFCU denied me access to my accounts because I presented a XXXX  identification card instead of a State issued drivers license even though I am a XXXX XXXX. 

Detrimental Effects As a result of these denials of service, I am restricted in access to financial services to obtaining the very bear minimum the that the NFCU XXXX be required to provide, with no options for financial maneuverability, a necessary element in being banked, and I must seek being banked through other financial institutions. The chain reaction from such other institutions is to view me with suspicion of I attempt to do anymore than the minimum from them because I am a XXXX XXXX. 

Latest Incidents The NFCU denied the personal loan based on specious grounds including refusal to apply or even consider my Veterans Home Loan Guarantee, and because of, according the NFCU, the NUMBER OF MONTHS SINCE OLDEST INSTALLMENT CREDIT ACCOUNT WAS OPENED even though it is the NFCU and its employees themselves who refused to avail to me access to my account so that I could engage the very services they avail to the public. 

Related Actions While sitting in the bank to attempt to submit documents to review the loan application denied, I discovered that the NFCU has been sued before for XXXX discrimination on loan services, discriminating against XXXX, so this is an ongoing systemic issue with this particular financial institution. Obviously, NFCU has learned nothing from its previous and most recent litigation affairs.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (MI)

I am writing to formally resubmit the complaint to LOANDEPOT.COM LLC regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. 
My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false unverified and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXX 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
Experian : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (OH)

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX