davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra (TX)

I didn't login to the Abra iphone app in a long time. When I finally did today, I noticed my account balance was XXXX. There was no transaction history or anything. The app requested I go through an ID verification procedure in order to trade, add funds or withdrawal ; however, I already did this verification when I signed up a few years ago. 

I googled and read today from others that Abra supposedly sent notifications out telling folks to verify by XX/XX/year> otherwise remaining balances would be lost. I just searched my email and found these notifications ; however, it looks like I got the first notification on XX/XX/year> and then on XX/XX/year> the account was the last day of access. That's an incredibly short timeline to take action. Further, the concept that my balances are " lost '' is criminal.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-24
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)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (MA)

An application to assume a VA loan was submitted by my client on XX/XX/12 to a loan officer XXXX XXXX XXXX XXXX this loan officer never dsclosed a loan estimate or did was required to get the application in process.The departmentn Manager XXXX XXXX said they had recieved the application but in 10 days there has been no disclosures or activity.

MrCooperNationstar hasc a policy of not allowing buyers to apply for an assumption of a va or fha loan with their loan officers.They have an illegal policy of having any potential assumptor borrower be vetted first by making them email the assumption loan group, to have an information package ( not a credit application ) sent by mail, before they will assign it to an assumption loan officer.They advise a 4-6 month time to complete after the informnation package is received back by regular mail. 
None of this is necessary and is prohibited by FHA and VA regulations, they are vioilating Fair Lending, tila, respa and trid.They have no reason or right to not take a credit application on a transaction that only they can approve.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc. (NY)

I am writing to file a complaint against Credit Control Services Inc. for their violation of my consumer rights under 15 USC 1692c ( c ), part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the code states that if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector must cease all communications with the consumer, including communication to credit reporting agencies. 

On XX/XX/year>, I notified Credit Control Services Inc. that I refuse to pay a debt they claimed I owed, as I believe the claim to be inaccurate and unfounded. Despite my notification, Credit Control Services Inc. has continued to communicate with me through [ mention specific methods of communication, such as phone calls, emails, or letters ], and has also reported the alleged debt to credit reporting agencies. 

These actions are in direct violation of 15 USC 1692c ( c ), and I believe they represent unlawful harassment and unauthorized reporting, causing me distress and potential harm to my credit score.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that [ name of collection company ] ceases all communications with me and removes any reports of this alleged debt from credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (HI)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-08-29
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute.3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Transunion a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-09-20
Product: Credit 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: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX XXXX XXXX  claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my XXXX app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX I called and chatted through the app with XXXX to notify them of the situation and get a resolution. But they kept XXXX  ( excuse my XXXX ). 
As a result, I reported the incident to Paypal Credit on XX/XX/. I continued to dispute and contact them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX Paypal Credit claimed to have received proof that I had received the item and continued to seek payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. 

The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. 

Remember, the account was closed on XX/XX/, to the satisfaction of Paypal Credit.
Consumer complaint received 2024-07-08
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX  XXXX # XXXX
Consumer complaint received 2024-04-22
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. (SC)

This account was charged off on the following date [ XX/XX/22 ) Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : brigit/coastal communi
Consumer complaint received 2023-08-29
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

A Charge off is considered a certificate of indebtedness. please remove from my credit report. This information is being reported inaccurately. I understand I have rights under The FCRA that states any account reporting incorrectly will allow me to seek compensation for Each violation. I understand that is also illegal to report transaction history. 

XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-04-24
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. (PA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 03/15/2024, and I have not yet received a response.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX of XX/XX/, i purchased XXXXwo cashiers checks at my local Bank of America branch. I asked the teller about the process if end up not needing one of them. ( one was for XXXX, the other XXXX ) They told me i could deposit them back to my account without a problem. 

I ended up not needing the XXXX one and deposited it in the BofA mobile app using the deposit checks feature. It accepted the images and the endorsement on the check, but placed a 7 day hold on the full amount. 

I immediately called Bank of America and they gave the following explanation : the deposit checks feature in the BofA app should only be used to deposit personal checks. Nowhere does the app display this information during the check deposit process.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I became aware that Equifax has locked me out of my account. I emailed the support team and I was informed that they do not have my email " XXXX '' on file for an account. However, when I attempted to create a new account, I was alerted that I already have an account. I only used the said email for this account. Please see attachments verifying I already have an account on file with Equifax.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (NJ)

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 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am 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 2024-04-24
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)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-09-15
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. (MA)

Upon reviewing my consumer report, I see that XXXX XXXX has flagged an account on my consumer report as a charge-off. The IRS requires XXXX XXXX to send me a 1099C by XX/XX/XXXX. This charge-off is considered earned income, and I will have to file a 1099C on my tax return. Therefore, the account status has been changed to earned income. My consumer report should not contain information regarding my income. This account violates accuracy of report. Additionally, the account has been reported as having late payments incorrectly and inaccurately by different bureaus. I would appreciate your investigation into this matter.
Consumer complaint received 2024-04-24
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. (TN)

I received a letter in the mail from a collection agency XXXX XXXX XXXX XXXX that states that are representing on behalf of Simple Fast Loans. I asked them to validate this account as I have never heard of this creditor and they sent me a bill stating that I owe them {$1000.00}. I looked this company up and they do not have a license to collect in the State of Tennessee. Please delete this collection agency from collection or reporting on my Experian, XXXX, or XXXX credit report if it is reporting.