davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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. (CA)

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  : XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX XXXX XXXX XXXX  : XX/XX/year> : XXXX : XX/XX/year> : XXXX XXXX XXXX XXXX : XX/XX/year> : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It may concern, I am writing this letter to request the removal of certain accounts from my credit report. After reviewing my credit report, I have discovered that some of the the accounts listed are not mine. I am writing to request that these accounts be removed from my credit report as soon as possible. 

I have listed the accounts that are not mine. The accounts in question is, : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Never opened any accounts and have never had any dealings with the companies that reported them to the credit reporting agencies. 
i understand that it is essential to maintain an accurate credit report, and I am willing to provide any further information or documentation that may be required to remove these accounts from my credit report. I would appreciate it if you could investigate this matter and take the necessary steps to remove these accounts from my credit report promptly. 

Thank You for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CIS DIRECT LENDING (VA)

CIS Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Demand for Explanation Regarding Mortgage Payment Transfer and Unsettled Amortization Schedule Dispute Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and demand an immediate and comprehensive explanation regarding the recent transfer of my mortgage payment to XXXX, effective XX/XX/2023. Additionally, I am troubled by the fact that the dispute on my amortization schedule remains unresolved. As far as I am aware, there has been no authorization or agreement from my end for such a transfer. 
I want to highlight that throughout the duration of my mortgage, I have diligently made all payments on time and have never defaulted on any obligations. Therefore, it comes as a surprise and raises suspicion that my mortgage payment has been transferred without my knowledge or consent. The lack of transparency in this matter is deeply unsettling, and I expect a prompt response to address this issue. 
Furthermore, I have been actively pursuing the resolution of an ongoing dispute regarding the amortization schedule associated with my mortgage. This dispute has remained unsettled, and it is alarming that the transfer of my mortgage payment has taken place while this matter remains unresolved. I firmly believe that it is in the best interest of both parties involved to resolve this dispute promptly and fairly. 
Given the circumstances, I kindly request the following from CIS Financial Services : Provide a detailed explanation outlining the reasons for the transfer of my mortgage payment without my authorization. 
Clarify the specific terms and conditions under which my mortgage payment was transferred to XXXX, including any relevant contractual or legal basis. 
Address the ongoing dispute regarding the amortization schedule associated with my mortgage and provide a clear plan of action to resolve this matter. 
Provide any documentation or evidence supporting the legitimacy and appropriateness of the mortgage payment transfer. 
I trust that XXXX XXXX will treat this matter with the utmost urgency and seriousness it deserves. Failing to provide a satisfactory explanation within a reasonable timeframe will leave me with no choice but to escalate this issue and seek legal counsel to protect my rights as a homeowner. 
Please note that I expect all future correspondence to be in writing. I would appreciate a written response addressing the concerns raised in this letter within XXXX business days from the date of receipt. 
Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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. ( XXXX XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Hello, I had a checking account with State Department XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, I caught XXXX and was hospitalized for Covid and Congestive XXXX XXXX. At that time, my account was overdrawn. I spoke with XXXX and told them my situation. However my checking account was closed by XXXX for non payment and reported to credit reporting agencies. 

My account was then placed in chex systems. I was discharged from the hospital in XX/XX/XXXX. On XX/XX/XXXX, a direct deposit in the amount of {$2700.00} ( my first XXXX payment ) was deposited in to the checking account ). This left me me with a balance {$2600.00}. XXXX took the {$120.00} which was owed to them. 

I tried to open a checking account and was denied. I then pulled my credit reports from all 3 Major reporting agencies. As well as secondary and banking well as banking reporting agencies. XXXX still had unpaid on all reports. I reached out to them on XX/XX/XXXX and let them know that the debt had been paid. I asked them to remove the inaccurate information from all credit and financial reporting agencies. XXXX continued to show the debt unpaid on all credit and financial reporting agencies. 

I reached and again via XXXX mail and email. I applied at XXXX financial agencies and were denied based information on my Chex Systems report. I contacted Chex systems via XXXX mail and XXXX and asked that this inacurrate information be removed. I was told it would be. 

On XX/XX/XXXX, XXXX sent a letter verifying the debt paid. However I was denied a checking account again today XX/XX/XXXX. Is there anything you can do to assist me with this matter. 

Please Advise
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX SSN XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This letter is a formal complaint that you have not maintained reasonable procedures in your operations to ensure the highest possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please review the attached letter and details of the provider that I describe below Credit Acceptance Corp Contract XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Due to a breach from Equifax ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information
Consumer complaint received 2024-09-09
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. (CT)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX, Account # - XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I have made numerous attempts to have Lincoln Automotive Financial Services to correct the inaccurate information that it continues to report to XXXX, XXXX, XXXX and XXXX. When I returned the auto lease, it was reported that I had no excessive miles. XXXX continues to charge reports a XXXX debt for mileage to the credit bureaus for the months of XXXX, and XX/XX/year>. Lincoln reported that it received its data from a third party data furnishers. I reported to Lincoln that I was a victim of identity theft and a data security breach. The referenced credit reporting bureaus have also been advised numerous times.
Consumer complaint received 2023-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I received a fraud alert from two of the major credit bureaus and a government credit monitoring agency informing me that an account with Bank of America has opened by using my social security number. I immediately tried to contact Bank of America with the information provided by the credit bureaus with no success. It seems that you must have an account to talk to a live person over the telephone. I have yet to hear anything from Bank of America.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (AR)

I was notified of a collection on my credit report around XX/XX/XXXX. The amount was for {$1400.00}. I contacted the collection agency XX/XX/XXXX and was told I owe a medical debt that is over XXXX XXXX XXXX. There is no way to contact the original company due to them being out of business now. I settled a debt from the original collection company 2 years ago. Now they are trying to say there is an additional amount due. I have emails showing the debt I was previously contacted about was paid. Prior to this collection there was no phone call or outreach trying to resolve the matter. I am in the process of buying a home and this dropped my score from almost 800 down to the mid 600s The original debtor was XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX There are many other complaints about debts associated with this company that went out of business in XXXX.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally lodge a complaint and appeal against the permanent limitation imposed on my PayPal account. I believe this limitation has been placed in error, and I would like to request a thorough investigation into my case and the reinstatement of my account, if deemed appropriate. 

Firstly, I wish to emphasize that I have not violated any of PayPal 's policies. I have been a long-standing user of PayPal services XXXX and I have consistently adhered to all terms and conditions set forth by PayPal. I have always strived to maintain a strong and honest relationship with PayPal, utilizing its platform for various personal and business transactions. 

Given the aforementioned points, I am confident that this limitation is a result of an oversight or misunderstanding. It is disheartening to encounter such an issue, especially considering my commitment to abiding by PayPal 's policies and fostering a trustworthy relationship with the company. I kindly request your reconsideration and a fair examination of my account activity. 

I kindly urge PayPal to conduct a comprehensive re-evaluation of my account and its associated transactions. I am confident that upon thorough scrutiny, it will become apparent that there has been no violation or wrongdoing on my part. I sincerely believe in the integrity of PayPal 's systems and trust that a re-investigation will lead to a just resolution. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that any future correspondence regarding this matter be directed to this email address for prompt attention. 

I understand that PayPal has a duty to maintain the security and integrity of its platform, and I fully appreciate the measures in place to protect all users. However, I firmly believe that in my case, an error has occurred, leading to the unjust permanent limitation of my account. I trust in PayPal 's commitment to fairness and request your utmost attention to this matter. 

In conclusion, I respectfully appeal to PayPal to re-evaluate my case, consider the absence of any policy violations, and reinstate my PayPal account, allowing me to continue benefiting from the convenience and reliability that PayPal offers. I am confident that a review of my account activity will affirm my innocence and restore my account to good standing. 

Thank you for your attention to this matter, and I eagerly await your prompt response and resolution. 

Yours faithfully, [ XXXX XXXX ]
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION (FL)

I am a victim of crime, and I am currently seeking support from XXXX XXXX which is an organization that helps victims of XXXX XXXX XXXX XXXX XXXX. Because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently filing a report against my job for retaliation And have been unable to successfully pay my bills. I have accumulated over {$300.00} in NSF fees, which is a substantial amount of money. Some of these fees were for very small amount ACH transfers. For example, there was a {$29.00} charge for a XXXX dollar ACH deposit into my XXXX XXXX asked multiple times to reverse the fees and explained the situation to multiple employees of Suncoast credit union. They mentioned that they could only waive XXXX NSF fees. After numerous times, the maximum amount that I was able to wave was XXXX, and after that they kept mentioning that there was nothing that they could do and that I should prioritize managing my budget. I would like to reverse these fees as they are very overwhelming and I am currently unemployed. I feel lost and helpless and need help.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I was a victim of a wire transfer fraud on XXXX. I had to close my account with Citibank & open a new account. A man named XXXX XXXX, got into my account, transferred {$3000.00} dollars from my checking account to my savings account, to cover a {$1700.00} wire transfer to XXXX XXXX & a {$1700.00} XXXX transfer. Citibank reimbursed me for the {$1700.00}, but I still am missing {$3000.00} dollars. I have called & written them repeatedly and they keep advising they are looking into it. The fraud agent confirmed that XXXX XXXX did transfer money to cover the Wire & XXXX transfer & that it would be replaced to my account.