davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-02-14
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: Westlake Services, LLC (WA)

XXXX credit card sent me letter to confirm XXXX disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX  has taken out {$13.00} a month from my acct from XXXX XXXX XXXX for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX  SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
Wilshire Consumer Credit has misreported deragatory info to credit bureaus XXXX times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX XXXX XXXX XXXXXXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX so Im denied.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I opened a credit card account with Barclays Bank I was informed that I had a {$5000.00} limit. I received the first statement and there was a {$490.00} charge on the account and when I called the company they told me that was their yearly fee even though on the application it said there is only an annual fee. This fee was charged within 2 weeks of opening the account and I have not used the account one time this fee is also listed as a charge against the {$5000.00} credit that they extended. If I had known that I would be charged a separate fee directly to the card as soon as it was opened I would not have opened the card. I feel that this is predatory lending. I notified the customer service agent that I was not happy with the charge and also not happy that it was directly charged to my credit that was extended and thereby I do not have a {$5000.00} limit I have {$5000.00} - {$490.00} which is clearly deceptive in a business practice by a lending institution. This is my official complaint about these practices and I felt that the complaint department of this agency should be informed that this is occurring and it should be looked into because I am sure they are doing this to other people. I feel that if you are going to be charged a fee you should be sent a bill showing that there is a separate charge not charge directly to the amount that is lended. This I believe violates the truth and lending practice that all banks are morally obligated to uphold and constitutes a direct violation of predatory lending and also it just doesn't sit well. I work hard for every dollar that I make and I do not appreciate being charged for a fee that will appear on my credit report as credit usage when clearly this is just a fee. Thank you for your time I appreciate giving this information to you so that it can be forwarded to the correct level of investigatory processing.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

When I alerted CashApp XXXX of the fraud for XXXX dollars they told me, successfully processed. I informed them this was not done by me and explained how my belongings were taken! They asked me for the following : What is your legal name, $ cashtag, and email address and/or phone number linked to the account associated with the disputed activity? 
XXXX XXXX Phone XXXX XXXX  2. What are the date/time and amounts for the transactions that you believe are in error? 
Dates are XX/XX/year>. 
I dont know the times. 
Amounts are multiple total XXXX 3. Why do you believe an error occurred with this transaction? 
My purse was stolen along with my wallet, cell, credit cards, ID and medical cards. 
I filed a police report of the with NC police on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed a FTC report XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First and foremost my name is XXXX XXXX and I am an XXXX XXXX XXXX out of California. I've been in many high profiled movies and made many contributions in my field, I am also married to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. Two weeks ago I was told I would have full access to my account on XX/XX/XXXX and they lied to me and now they're telling me I have to wait another2 weeks. I don't know what shenanigans is going on but I need help The reason for me to explain all my accolades and accomplishments is because I feel I am being taken advantage of by my financial institution and I am afraid I am at risk of getting my account closed and they will steal money from me, I've been in this situation before in XXXX where me and my lawyer XXXX XXXX had to go to court and file a lawsuit against another financial institution because money was stolen out of my account which I won my case. 

Now my problem with my financial institution is I deposited a check for {$50000.00} and hours later they disabled my account due to fraud. Which is highly offensive because all I wanted to do is move money from one bank to another. I was responsible to send a letterhead from my bank to Merrill Lynch to be on the safe side to prove I had the funds available. 

This is the I explained all my accolades because XXXX XXXX XXXX XXXX  and will never commit any fraud, I work hard for what I have and to accuse me of fraud without iota piece of evidence is not right. I just want to get this situation rectified first before I initiate a lawsuit
Consumer complaint received 2022-12-01
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. (IL)

submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MO)

I attended a for-profit school that has been in legal issues nationwide, and I would like to complete the application for school misconduct ; however, when I emailed to request the application, I was told that my loan type is a refinance and does not qualify.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (GA)

I am writing to formally bring to your attention a concern regarding my inability to dispute an account, in violation of the provisions set forth under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ).

Despite my attempts to address and dispute the accuracy of this debt, I have not been provided with the necessary information or opportunity to dispute this account effectively, as mandated by the aforementioned regulation. 

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( C ), debt collectors are required to inform consumers of their right to dispute the validity of a debt within 30 days of receiving the validation notice. However, in my case, I was not provided with a clear and unequivocal notice of my right to dispute the debt. As a result, I have been deprived of my statutory right to challenge the accuracy of the information being reported against me. 

The failure to adhere to this regulation has caused me significant distress and confusion. Therefore, I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure compliance with federal regulations. Furthermore, I would appreciate guidance on the steps I can take to rectify this situation and ensure that my rights are protected moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AR)

Freedom Mortgage is improperly collecting excessive portion of monthly mortgage payment for escrow. Total of property tax and homeowners insurance is now about {$7200.00} annually, due to last year 's increases in neighborhood assessment and premium increases. Instead of $ XXXX ( $ XXXX ), XXXX  is presently collecting $ XXXX. In fact, I have looked ahead at the respective tax and insurance payments required for XXXX, and only $ XXXX is necessary between now and those due dates with the present escrow balance.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-24
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$12000.00}.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I tried to open an estate account. My father passed away in XXXX. I have the Letter of Authority from the XXXX XXXX XXXX XXXX XXXX. It has my name as XXXX XXXX because thats how my lawyer knows me. I have successfully closed all of my fathers checking accounts, credit accounts, dozens of them. Received XXXX XXXX XXXX XXXX XXXX  from several different institutions INCLUDING Chase. 

My XXXX XXXX checking account got compromised, so I decided to close all the accounts just to be safe. This included the Estate account. I decided to bring it to my checking account at Chase. So as you can tell, Ive already had a working operational estate account using that letter and the death certificate. 

I went in, they said they had to verify things with the back office. They call me back a couple of days later cause the Letter of Authority from the court says XXXX instead of XXXX, and because it doesnt have my middle name XXXX like it does on my drivers license. Ive literally pulled XXXX XXXX XXXX from these and other banks and already set up an account with a different institution and never had this issue. Now theyre saying I have get a new Letter of Authority . I am NOT spending the rest of the estates money on another lawyer because Chase cant figure out XXXX and XXXX are the same. They already had this stuff on file and accepted it. I obviously moved home after this tragedy occurred, maybe they got stuck up on the address but didnt say anything? Please see attached legal documents ( including old passport with new state ID to verify address change. But I am NOT paying to go to court for a new Letter of Authority.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

CEASE AND DESIST DEMAND Re : Cease and Desist Notice : XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under the account number [ Account Number ], as referenced in your correspondence from XX/XX/2023 to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2023, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/2021 XXXX XXXX XXXX  Credit Cards Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX