davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-04-24
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: U.S. BANCORP (CA)

I attempted to purchase an item and there was 2 attempts to pay for this item. I was advised that 1 transaction did not go through because it was over my daily limit. so the whole purchase was cancelled and the 2 charges should have been returned to me. Only 1 transaction was reversed and disputed by the bank. Then the bank advised me that the dispute was done incorrectly and they would resubmit for the 2nd charge. I just received a denial for the previous complaint and I demand that a US bank representative call me from the office of the executives ASAP and credit the account for what they say i owe or am negative on. They did not properly handle my dispute and have incorrectly serviced my account. XXXX. There are federal rules and laws that protect me as a bank consumer.
Consumer complaint received 2024-09-06
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 : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 

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 2024-09-24
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. (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. 

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 2023-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MT)

I have a VA loan with Freedom Mortgage and I am selling my home. I am doing an assumption with the buyer who is a XXXX as well. Freedom mortgage is has taken well over the 60 to 90-day time period they claim it takes to do an assumption. I am stuck with no home now because they are refusing to move faster to close my assumption to the new buyer. This was supposed to be closed at the end of XXXX and now its looking like it may not even close at the end of XXXX. There inability to close the assumption is now costing me XXXX of dollars, because I have to temporarily rent a new home and continue paying on my current mortgage. This should be illegal and someone should have to pay for this injustice. Also, everytime I call, the representatives who answer the call say they can not help me and they put in a request for an assumptions representative to call me back and tell me it will take 2 business days. Its been 5 business days and nobody has called me back. I also called them on day 3 and day 5 and they keep saying they are elevating the issue. This is the third time I've requested a call back with nobody from the assumptions department reaching back to me.
Consumer complaint received 2024-09-07
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2024-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX XXXX, I received collection notices from XXXX XXXX for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$330.00} USD. I immediately contacted XXXX XXXX to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.
Consumer complaint received 2024-09-06
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. (IL)

I just recently looked at my credit report XX/XX/XXXX from XXXX credit bureau I saw some hard inquiries that did not have my permissible purpose. I also attached evidence 1.XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX XX/XX/XXXX 3.XXXX  XXXX  bank XX/XX/XXXX also again XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX Bank XX/XX/XXXX 7.XXXX/XXXX  XXXX  These inquiries have no permissible purpose to be on my credit report please delete these inquiries to violation 15 USC 1681b
Consumer complaint received 2024-09-23
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: National Credit Systems,Inc. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XXXX XXXX, 2024, disputing a debt claim made by National Credit Systems regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. Despite my requests, National Credit Systems and XXXX have failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : 1. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
2. Insufficient Account History : The documentation provided does not include a detailed account history showing the transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
3. Failure to Provide Proof of Assignment : If National Credit Systems is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX XXXX to National Credit Systems. 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of estoppel by silence, assuming that no proof of the alleged debt exists. 

My Demands : 1. Immediate cessation of all collection activities until the debt is properly validated. 
2. Immediate removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday, XXXX XXXX, XXXX, I purchased tickets for a show. I made a payment to the seller via Chase XXXX in the amount of {$400.00} around XXXX XXXX. The seller did not send the tickets as agreed, rejected phone calls and did not respond to text messages. At XXXX PST I called Chase Bank to alert them of fraud. XXXX, who was the representative I spoke to in the Fraud Dept/Fraud Investigations Dept said that the payment was made to another Chase customer. The account had only recently been opened, and the name that the seller gave me did not match up with the name on the account. They also said from what they could see on the account this customer had a history of incoming XXXX payments coming and immediate withdrawals, which he felt were a warning sign. XXXX, the fraud specialist, then submitted an automated request that the account holder return the funds due to fraud. XXXX then said there was nothing further he could do on the phone and suggested I go into a Chase branch the following day ( by this time it was last XXXX PST and branches had closed ), and speak with a branch manager. The following day, XXXX XXXX, XXXX, I went to Chase branch ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and spoke with a Personal Banker, who suggested we call the fraud department. She was also unable to come to any sort of resolution. I asked that the issue be raised to a branch manager. The branch manager, XXXX XXXX, then opened a branch dispute which is seen by a Branch Complaint Escalation Group. She too was unable to find a resolution and raised it to her XXXX, XXXX XXXX XXXX XXXX XXXX, ext XXXX ) was also unable to resolve the issue as well. The fraud issue was then raised to her manager, XXXX XXXX. Through the numerous calls and conversations with Chase, all the employees said they understood that fraud had occurred and that the other party was a Chase customer, for which they have a name, number, address etc but they could not do anything. They all also understood that the account was only recently opened by the customer, the name given to me and used for the transfer of funds did not match the name on the account, and the other party had a history of similar transfers and immediate withdrawal. Chase has taken no action to resolve the issue and have violated the BSA Patriot Act XXXX federal law ), as they are knowingly allowing fraud and have n't not taken any action to resolve the ongoing fraud.
Consumer complaint received 2024-09-28
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-24
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. (FL)

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. 

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 2024-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (TX)

I am filing a complaint due to the company not responding to my request for verification of the debt. I also have notice that on my credit file there is inaccurate reporting and the information reporting to each bureau is inconsistent. I am requesting that this company remove the debt from my credit file. The first account is XXXX in the amount of {$1100.00} I have been disputing this account for about 8 months and the credit bureaus are not responding are removing this medical debt from my account. I have no knowledge of this debt and did not authorize anyone to apply this debt. And the same is for the other account by the same company. The account number is XXXX in the amount of {$1100.00}
Consumer complaint received 2024-09-23
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. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and TransUnion I previously submitted a formal complaint on XX/XX/XXXX, concerning the unauthorized and inaccurate reporting by XXXX XXXX on my credit report and the subsequent denial of my fraud block request by TransUnion. Despite my repeated requests, TransUnion has declined to take appropriate action, and the inaccurate information remains on my report. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information within 4 business days of receiving a valid request. It has been over 30 days since my original notification on XX/XX/XXXXXXXX XXXX XXXX and both XXXX XXXX and TransUnion have failed to provide the necessary documentation to validate the alleged debt. 

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to denials of credit or unfavorable financial terms.

Emotional distress : Resulting from the inaccurate information on my credit report.

Financial harm : Due to credit denials and higher interest rates.

I request the immediate removal of the inaccurate information from my credit report. If the information is not removed, I will be forced to pursue legal action to recover damages, including statutory and punitive damages, along with attorneys fees. 

Additionally, I invoke Estoppel by Silence, as neither XXXX XXXX nor TransUnion has provided the required evidence within the necessary timeframe. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies under 15 U.S. Code 1681n.

I look forward to your swift resolution.
Consumer complaint received 2024-09-28
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. (OH)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-23
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. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XXXX XXXX, 2024, disputing a debt claim made by XXXX XXXX XXXX regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. Despite my requests, XXXX XXXX XXXX and Equifax have failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : 1. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
2. Insufficient Account History : The documentation provided does not include a detailed account history showing the transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
XXXX. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX XXXX to XXXX XXXX XXXX. 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of estoppel by silence, assuming that no proof of the alleged debt exists. 

My Demands : 1. Immediate cessation of all collection activities until the debt is properly validated. 
2. Immediate removal of the inaccurate information from my credit report. 
3. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.