davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

On XX/XX/year>2024, a deposit was made into my checking account at Fifth Third Bank. Since that time they have held the funds and refuse to release them. I have called the bank to inquire why this has taken so long, well beyond the 3-5 business days that are customary and I was told the funds would be released on XX/XX/scrub> 2024. They have not been. They told me they could not get in touch with the bank from which the funds originated, which is also false.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

XXXX XXXX credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to XXXX. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to XXXX. I was able to log into XXXX with the account info and pay the bill. I called XXXX XXXX to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to XXXX.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (NJ)

On XX/XX/24 I recieved a letter from XXXX, XXXX, XXXX XXXX l p a. representing UHG I LLC. 
The letter stated that my wages will be garnished if I do not contact the law firm. I do not owe the plaintiff any monies. I did not have a contract with this company. 
I do not know what this debt is in relation to myself. 
This letter is vague as to what exactly is the debt that UHG alledges that I owe them. If this is a credit card debt that I am unaware of, I am requesting proof that I owe any debt to UHG I LLC.
Consumer complaint received 2024-06-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My student Loans were Paid of in XX/XX/year> but the credit bureau Only wants to use XX/XX/year> data and refuses to accept Email statement by Dept of Education/Nelnet Email copy showing all student loans paid in full. I sent XXXX copy of the DOE/Nelnet Email but refuse to verify XX/XX/year> payment, paid in full.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

Deposited a {$1000.00} XXXX issued XXXX XXXX, via the ATM, into my XXXX Checking account on XX/XX/year>. I was alerted of a hold on my deposit, but was given no option to cancel the deposit on the ATM. My online access stated that XXXX was placing a hold on my deposit because the funds needed to be verified by the issuing bank ( XXXX is the issuing bank! ) ... .and my funds would be released on XX/XX/year>, after 2 business days. Keeping in mind, this is a XXXX XXXX XXXX with guaranteed funds, issued from my parents account ( same last name ) and then deposited into my own XXXX account. XXXX deposit policy states that for deposits issued from another XXXX account funds will be available the same day. XXXX policy also states that {$220.00} will be made available the next business day ( following Federal Banking Laws ). The remaining funds will be made available 2 business days after deposit under XXXX policy. It is now XX/XX/year>, and my account shows the deposit in my actual balance, and says it was posted on XX/XX/year>, it also no longer shows any hold in effect on my accounts funds. YET, MY AVAILABLE BALANCE STILL DOES NOT INCLUDE MY DEPOSIT OF {$1000.00} MONEY ORDER ... even though the hold has cleared itself and the deposit has posted to my account, XXXX IS NOT MAKING ANY OF MY FUNDS AVAILABLE, from a deposit of a guaranteed instrument, also issued by Chase Bank!!?? This is unacceptable. It is my money and I need access to it, and XXXX is breaking the law by not making at least {$220.00} available already!
Consumer complaint received 2024-02-08
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-06-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-20
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. (LA)

I have been disputing a collection account for XXXX on my credit report for months thats not being reported. The debt collector is increasing the balance every time I submit a dispute and every month when they report the balance is being increased. I have submitted a dispute these last few weeks asking the credit bureau to send proof of validation but each time they send back saying that the information has been updated and proven to be accurate with no proof.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

" I took immediate action by sending a certified letter to XXXX XXXX to demand that they remove the charge-off status of my old account from my credit report. Their response was unsatisfactory as they claimed to have stopped reporting to the credit bureaus. But despite their assurance, Equifax has continued to report this information falsely. This is unacceptable and I demand that this error is corrected immediately. ''
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

Dear Sir/Madam, my name is XXXX XXXX XXXX XXXX 
I am contacting you in connection with the XXXX  payment transaction, which was made on XX/XX/XXXX and currently BNY Mellon has determined that the transaction was in violation of US sanctions provided for by Order XXXX and the funds were blocked on XXXX ( BNY Mellon 's response of XXXX is attached ). 
Please read the full information below. 
According to the letter from BNY Mellon dated XXXX, BNY Mellon determined that the transaction was in violation of US sanctions provided for by Order XXXX and the funds were blocked on XXXX Based on the letter from BNY Mellon dated XXXX, XXXX XXXX XXXX applied to OFAC for a license.

OFAC reviewed the application and sent a letter stating the assigned application number : Your license application, Reference Number XXXX, has been received on XX/XX/XXXX, and assigned Case Number XXXX. Please have this Case Number available when contacting US regarding this application. 
XX/XX/XXXX OFAC sent a letter with a comment, according to which OFAC can not find data on funds that were indicated as blocked in your correspondence. I have been asked to contact the bank that blocked the funds ( BNY Mellon ) to verify that the blocking has occurred and that the information about the blocking has been sent by BNY Mellon to the Compliance Department of the Office of Foreign Assets Control ( OFAC ). 
XX/XX/XXXX XXXX XXXX XXXX sent a request to THE BANK OF NEW YORK MELLON at : XXXX, with the attachment of all necessary documents in order to provide the necessary information to OFAC after receiving a response. 
To date, the response from THE BANK OF NEW YORK MELLON has not been sent to me, my application from THE BANK OF NEW YORK MELLON has not been reviewed, therefore I can not provide the expected information to OFAC.

Please kindly check the current status of this transaction and assist in obtaining all necessary information from THE BANK OF NEW YORK MELLON. 
Thank you for your understanding and cooperation Sender 's Reference XXXX Value Date, Currency Code and Amount XXXX Sender : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Receiver : XXXX THE BANK OF NEW YORK MELLON NEW YORK, NY US Transaction Reference Number XXXX Bank Operation Code CRED Value Date, Currency Code and Amount XXXX Ordering Customer-Name & Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account With Institution XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Beneficiary Customer-Name & Addr XXXX XXXX XXXX XXXX XXXX XXXX WITHDRAWAL OF PROPERTY FROM THE TRUST MANAGEMENT OF THE CONTRACT XXXX FROM XXXX XXXX Sincerely yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mobile : XXXX XXXX XXXX address XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

Subject : Complaint against XXXX XXXX XXXX regarding misleading communication and improper debt collection practices Date of incident : XX/XX/XXXX - Present Complainant : Complaint Details : XXXX. On XX/XX/XXXX, my XXXX vehicle was totaled by a XXXX XXXX 

XXXX. In XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) instructed me via their online portal message to stop making payments on the vehicle, pending the conclusion of the insurance claims in-process at that time. 

XXXX. An XXXX representative verbally confirmed this instruction over the phone, stating they do not want me to overpay during the insurance claim process. 

XXXX. My last payment was made on XX/XX/XXXX. Subsequently, XXXX closed the payment portal for my account, making it impossible to access and make further payments. 

XXXX. The insurance company ( XXXX ) paid the fair market value for the vehicle, leaving a balance of {$11000.00}. 

XXXX. My XXXX insurance claim was denied on XX/XX/XXXX, due to circumstances beyond my control. 

XXXX. For XXXX months following the denial of the XXXX XXXX XXXX I received no communication from XXXX or any other entity regarding how to pay the remaining balance due to XXXX. During this time period I received regular communication with XXXX regarding my second vehicle. 

XXXX. On XX/XX/XXXX, I unexpectedly received a collections notice from ANFI , Inc., stating that the account was delinquent and had been placed with their office for collections. 

XXXX. I intend to dispute this debt and request validation from the collection agency. 

Requested Resolution from CFPB : XXXX. Investigate XXXX 's failure to provide clear instructions for handling the remaining balance after the insurance payout. 
XXXX Review the appropriateness of sending the account to collections without prior notice. 
XXXX. Require XXXX to improve their communication practices with customers in similar situations. 
XXXX. Assist in resolving the outstanding balance without negatively impacting my credit score, given the misleading instructions I received from XXXX. 

I can provide additional documentation to support this complaint if required.
Consumer complaint received 2024-07-04
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX {$600.00} was stolen out my account from an ATM in XXXX, South Carolina in XXXX transactions of {$200.00} each. The last transaction I made was on XX/XX/XXXX for {$46.00} at an ATM in the XXXX, NY where I live. When I called capital one no one asked for this information and I also have proof of that. My claim was denied because Our research shows this transaction occurred with a chip card at a chip enabled terminal. I asked for an email to show any documentation I had but they never sent it. And I called again today for it I was told they wont be reopening my claim. Id truly appreciate help. I was robbed. Im not sure how its just being disregarded. I went on to file a police report, a ic3 report and this is my 2nd cfpb report
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (FL)

My name is XXXX XXXX and I unknowingly paid XXXX XXXX over {$5000.00} in mandatory donations that were imposed through the app with no mention of opting out at any time. I was misled and deceived at a desperate time of need and was undeniably fully robbed and taken advantage of. I am requesting that this money is returned. I can provide ample documentation upon request, its too much to include on here. Thank you.