davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (MD)

As recognized consumer reporting agencies, both XXXX and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. I have identified what I believe to be a violation of the Privacy Act ( FERPA ). In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. XXXX and XXXX are also falling short in maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations of the Fair Credit Reporting Act. Moreover, as explicitly stated in 12 CFR 1016.7, a consumer has the unequivocal right to opt out of reporting services at any time. Consequently, I am exercising my right to opt out of your reporting services. Additionally, I kindly request that you update my accounts to reflect the charge-offs as " paid as agreed. '' I appreciate your prompt attention to this matter and request that you conduct a thorough investigation to rectify the inaccuracies in my credit reports. Please provide a written response within the required time frame as per the Fair Credit Reporting Act. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Consumer complaint received 2024-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: OCEANFIRST FINANCIAL CORP. (NJ)

If the Bank was truthful. Rather then using the word Substantial to explains their fees for early closure of the CD. & Refuse to explain their fees when asked. 

see attachments The attachments won't upload. But enclude A letter explaining the issue, copies of statement from bank showing {$6200.00} in charges. from a {$100000.00}. 6 month.CD when closed 2 months early, & they calculated then on a 12 month CD rather then XXXX. I got a 50 % rebate w/ no explanation. 
But it still cost {$3100.00}. If they where truthful I would have put the money in their Money Market Acc. as I did w/ other money that day. then this whole thing wouldn't happened
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I submitted a CFPB Complaint with the assigned number of XXXX for. Equifax has responded to me directly via mail with a copy of my credit report noting that the account was deleted from my credit file. I have attached the correspondence from Equifax confirming they have removed the account as well as a copy of my report prior to the dispute as evidence to support the FCRA violation for which I require payment.
Consumer complaint received 2024-09-02
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. (GA)

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 2024-09-02
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. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2024-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

Ive been buying cryptocurrencies online for years. In the recent year I decided to start XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I performed a KYC verification on a buyer, ID, and phone matched to buyer. I sold buyer over XXXX in cryptocurrency. I received, {$42000.00} in wire transfers from this cryptocurrency buyer. I verified with Navy Federal that Wire Transfers were completely " non reversible '' outside a court order. After 2 months of receiving wire transfers from the buyer. Navy federal limited access to my account. 

I spent days and multiple hours on the phone with navy federals security department, and was told they were closing my account, and sending back the {$42000.00} in wire transfers. The bank refused to provide any documentation from the sending back, Refused to cooperate with local law enforcement, refused to provide legal recourse. Basically told me I was out of luck. 

I provided documentation for the sale of the {$42000.00} in crypto currencies, the conversations with the buyer, the proof of KYC. Even asked the bank to reach out to the buyer at there registered phone number, that matches the bank account.
Consumer complaint received 2024-09-02
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)

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

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I deposited XXXX into my checking account in XX/XX/year>. However, the funds did not deposit into my account once I checked. I notified the bank and they told me to call Capital Ones XXXX number. I did this and uploaded the proof ( the receipt ) where I attempted to deposit my money. However, Capital One will not put my money into my account. Ive had issues with capital ones atm before and they gave me my money the first time. I am receiving pushback this time and would like my {$5200.00} deposited into my account for good.
Consumer complaint received 2024-09-02
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. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. XXXX, Experian and XXXX have not complied with the laws to remove these accounts with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX, Account Number XXXX, XXXX, Account Number : XXXX, XXXX XXXX XXXX , Account Number : XXXX, XXXX XXXX , Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX , Account Number : XXXX, XXXX XXXX XXXX , Account number XXXX, XXXX XXXX XXXX , Account number:XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Some of these accounts have been paid in full and was suppose to be removed immediately but they have not done so.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (MI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-03-24
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: Consumer Portfolio Services, Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX run my credit without my permission with multiple banks while I signed for my credit to be run only with one bank. The sale confirmed that, only bank was going to be used and if I got denied. They will no longer proceed. I found out that, they lied instead run my credit using multiple banks. This is a violation of my rights as a consumer. I wasnt aware of that. I bought 7 cars from other dealership and this never happened before.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

Attached to this complaint is a police report. I am a victim of identity theft. The following Reported Information and Inquiries Viewed By Others currently listed and showing on my Chex Systems XXXX XXXX XXXX XXXX XXXXXXXX are fraudulent accounts and hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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: SELECT PORTFOLIO SERVICING, INC. (CT)

I spoke with a supervisor XXXX XXXX XXXX at XXXX disputes. He informed me that they ( XXXX ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore SPS whom are not reporting to the three major credit bureaus XXXX, XXXX, and XXXX my on time payments made. I recently sent in to XXXX official payment history from SPS Select Portfolio Servicing my payment history. Moreover, I have been current all of 2023 to date by their own ( SPS ) documentation. XXXX makes the claim that SPS verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with XXXX. XXXX would not tell me why my score was dinged. However, I believe it was the doubling down by SPS which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as XXXX, and XXXX did inform SPS they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which SPS is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from SPS that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to SPS, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By SPS failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by SPS as delinquent is not the same as a bankruptcy and inaccurate. SPS reports that the loan is closed which is improper if not illegal. Overall, SPS is denying me the benefit of timely made payments to XXXX, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.
Consumer complaint received 2024-10-23
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: Mr. Cooper Group Inc. (FL)

XXXX XXXX, XXXX is XX/XX/year>. 

Rushmore 's servicing company 's response letter to my complaint is totally unacceptable. 

XXXX. My wife XXXX 's bankruptcy was declared more than 10 years ago. It should not be affecting her today. 

XXXX. I believe that Rushmore servicing company is dealing in bad faith and engaging in unfair business practices. 

XXXX. I need for CFPB to contact XXXX XXXX XXXX  XXXX who is the owner of my mortgage. Rushmore is just a servicing company who has a very shady reputation. They need to report my mortgage payment history to my credit bureaus. 

XXXX. Am I being discriminated against because I am XXXX, a XXXX Veteran or is it both? 

Please assist me in getting this issue resolved in a fair and acceptable manner. Thank you. 

XXXX XXXX XXXX.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from XXXX, XXXX and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (FL)

original lender- XXXX XXXX XXXX {$1300.00} collection comp- credit management company {$1300.00} I don't have any information about the account other than the amount. 
what its for, when etc i just noticed it on my credit report. 

theres nothing and then a date reported XXXX the amount past due line is N/A ... so how can i have a collection for an amount if i ahvent been pass due on that amount? 
i havent been to the doctor in a few years the last time i did i had XXXX XXXX so i dont know what this is. what little information i have is inaccurate.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I deposited XXXX dollars into my savings account via ATM at 53rd bank on XXXX and XXXX XXXX in XXXX Mi. I also transferred XXXX dollars into my savings account to pay my aunt for my mortgage. The ATM ate the XXXX dollars and only posted the XXXX transfer that was second. When speaking with XXXX  the manager of the branch I was the XXXX person who had problem last night I was XXXX in line and this ATM is having weekly problems and it steals money with no receipts and the branch outsources the machine and can't open it and I have to wait until someone comes out. They were called Monday for the exact same problem and still haven't been out and they have left this atm open to continue to defraud customers.
Consumer complaint received 2024-01-30
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)

Experian, itself is furnishing information on my consumer report without participation of the said companies. For example, when I contacted XXXX XXXX  if they furnished inquiry on my consumer report, they said no but Experian is publishing the said report. The is falsification of information and identity fraud.