davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (NY)

" 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 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (GA)

Almost 3 weeks ago I noticed that there was a mobile deposit that went into my account that was not authorized. I never made any type of mobile deposit. The amount was for a little over {$1400.00}. I noticed the deposit was made because I logged into my mobile bank account app. A few minutes later when I went to check the app again I realized that I was locked out of my account. I immediately called TD Bank and they informed me that the mobile deposit was made and I tried to explain to them that I never authorized the deposit and that someone hacked into my mobile app and had my username and password info. The same people who hacked into my account also ended up withdrawing funds into the thousands of dollars. Finally TD Bank shut my account down, but did not close it. The account could not be closed because I was so in the negative from all of the charges that were made. To make matters worse, this TD account was linked to my direct deposit from work so my direct deposit from work went to cover all the illegal charges that were not authorized to cover for the negative balance. I worked an entire 2 weeks at work and never saw that paycheck. I have been able to delete this card from direct deposit at work and just do a pay card but this entire situation has been a nightmare. TD Bank has been incredibly unhelpful in this entire ordeal and it has been extrememly stressful to deal with.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax takes more than a week PAST the date that XXXX  and XXXX  updates their trade lines on consumers credit reports. XXXX and XXXX are timely and update their tradelines on the same day each month that the creditor updates the balances. However, EQUIFAX is now more than WEEK behind and is reflecting outdated balance on my credit report, and they trying to blame the creditor even though the other 2 creditors have the correct information. The representatives I spoke to are totally incompetent, and the online for to submit a dispute is BROKEN! This credit bureau should be closed down!! Terrible!
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collection Service Inc (GA) (NJ)

I looked over my credit report and noticed this company was on my report for a {$560.00} from XXXX XXXX XXXX XXXX. I have no recollection of this debt and I requested verification and a PFD as this being on my credit report is affecting me negatively and theres NO proof it is mine. The company has not responded to any written correspondence Ive sent and has never sent me any proof that this debt is valid.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-28
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 additional letter provides further details to support my initial dispute, with a focus on ensuring compliance with XXXX XXXX standards. I am requesting the immediate removal of inaccurate items and corrections to my payment history. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
XXXX ) Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : letter XXXX, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2024-10-28
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
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. (TX)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-28
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. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-28
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. (NH)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at PORTFOLIO XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXXXXXX in XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I attempted to deposit a total of {$7300.00} into an ATM machine at B of A. The machine had counted around {$3300.00} of the total amount and then asked if Id like to deposit more. I opted to deposit more as I needed to deposit the remaining {$4000.00}. I placed that {$4000.00} into the atm and while in the process of counting, the atm went black and shut itself off. None of the money was deposited into my account. I spoke with the bank manager and also called the phone number on the atm machine. The customer service agent told me Id have my money back in two days. It has already been a week.
Consumer complaint received 2024-10-28
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)

This afternoon, I was shocked to see inaccurate accounts appear on my credit report with no clear reason. I regularly check my report, and this time I found unexpected discrepancies. I tried refreshing the browser, hoping it was a temporary glitch, but the incorrect accounts were still there. Im requesting a thorough review of the documents I submitted so I wont have to deal with this kind of worry again.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

This account is showing duplicate and is stuck in a passed due balance. Two days ago I applied and paid for an official transcripts to be sent to my new employer. However, they canceled my order due to a financial hold on my student account. I asked them what was the hold. They told me I owe {$18.00} for a book that I returned late or something, which is ridiculous because it was a bit over 8 years and I never got a notification of that. I actually requested transcripts to be sent to jobs in the past and that has never been an issue. and now that I look at my Credit report the way its reporting is incorrect. I need this corrected.
Consumer complaint received 2024-10-28
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)

My XXXX XXXX account shows a XXXX balance on a XXXX XXXX as of 28 days ago. I have not used this card in years, may not have used it at all. I tried to view transaction/balance on XXXX  website and was unable to log on. I called XXXX and they were unable to locate anything under my name or card number. I can not even view card or info on my XXXX XXXX app. What do I need to do next.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I had roughly 35 fraudulent transactions on my debit card in a very short amount of time. These transactions happened on XX/XX/18. I called the same day as these transactions occurred to report them as fraudulent. Chase bank said they performed a thorough review of my account and denied the claim because the person who stole the card had my pin number. I also had my phone stolen the same day. Chase bank somehow let the thief log into my account and change the maximum amount allowed per day from {$500.00}. 
The amount of the transactions totaled roughly {$11000.00} almost all of it in cash. I have been a Chase customer for 20+ years and never once asked for a raise in my cash per limit. My Chase account has a different password than my pin number.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018 we made a Principal Only payment to our mortgage with SunTrust Bank in the amount of {$1000.00}. At the time of deposit we were told by the our XXXX FL branch that the payment would be correctly applied using the coupon once that department received the coupon in 1 or 2 days. Upon checking our account 3 days later, we found that the principal only payment was misapplied to the regular mortgage payment and not principal only as requested. We have now contacted Suntrust Bank on three separate occasions to be told that it will not be corrected until XX/XX/XXXX. 

This is the 3rd time we have made principal only payments on our mortgage only to have them misapplied as a regular payment, with only a portion going to principal only. Misapplying the payments benefits the bank as it doesn't reduce principal as it's intended. Taking at least two weeks to correct this time, last it took almost 6 weeks. Our principal isn't reduced and they are making money by  misapplying funds. We believe this to be intentional on the part of Suntrust Bank.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Choice Recovery, Inc. (OH)

I received a phone call about a week ago and regards to a medical collection from choice recovery and I asked them to send me documentation so that I may dispute. I received a documentation today but on the outside of the envelope it says choice recovery which obviously makes it sound like it is from a collection agency. This has been sitting in my mailbox for a day or two and my neighbor happen to see it and questioned if I was getting a collection notice since it said choice recovery. I was humiliated and I was embarrassed And Im wondering how many other people actually saw that I was getting a collection notice. I want to choice recovery to know that I will be contacting a lawyer if I do not hear back from them within 60 days. I feel this is a violation of the FDCPA and should be awarded {$5000.00} in damages.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late?

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NV)

Not that I expect the current management of the CFPB to do anything about this, but I wanted to register my complaint. 

I have a mortgage with HomeBridge Financial Services and I was notified of a loan transfer by a letter mailed regular mail that on XX/XX/2018, that as of XX/XX/2018 they would no longer accept payments on my loan. Obviously, I did not receive the letter in time to do anything about it and immediately set about making sure that future payments would promptly be made to the new servicer. 

Based on the language in the letter, I simply assumed that they would transfer the funds to the new servicer. Instead, the funds were returned to my account, apparently without notice or comment. 

I understand that the new servicer will be unable to charge me a late fee, but I wanted to register my chagrin at the thoroughly unprofessional way that this was handled. Despite, the anti consumer bias of the current administration, I can hope that regulations are put in place that prevent this kind of thing for future customers of HomeBridge
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXX XXXX XXXX, as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.