davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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. (MO)

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} I will not stand for this level of incompetence from your company. It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy otherwise remove this from my credit file. If you fail to do so, I will not hesitate to take legal action against your organization. 

XXXX XXXX  Balance : {$8700.00} I need to dispute charge off accounts that are still being reported on my credit file with still has a balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  {$21000.00}. 
This account is fraud and doesnt belong to me. this account just appeared on my credit profile overnight and is affecting my life and its not fair. This account needs to be removed immediately my rights are being violated and this account needs to be REMOVED.
Consumer complaint received 2017-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VI)

I applied for a student loan with XXXX XXXX in XX/XX/2006, which was only supposed to be a 5 year loan. The length of the loan has doubled, because they continuously sell the loans to new institutions, causing it to restart. Currently the loan is now with Navient, and for some reason they have managed to divide my loans into several mini loans, which I assume results in me paying extra in interest. Also, my primary issue with this institution is the fact that they have reported my 30 day late payment which was caused by them, as a 60 day late payment. Last year, my loan was with XXXX, and I had my account setup in a manner in which the payment due would be automatically drafted from my account. I then received a letter stating that my loan was being sold to Navient. However, I did n't realize that the auto drafting of my account would no longer be in place. I received a call from a Rep, stating that my account had a 30 day past due balance, a well as a current balance. As a result, I explained the situation and immediately provided payment to the Rep to take care of the past due amount.I also made arrangements to draft the remainder. Instead of applying the first payment to the past due amount, they applied it to the amount that was currently due, and never drafted my account for the remaining balance. As a result of this, I had a 60 day past due balance, which they reported on my credit report, which absolutely does n't make sense to me. I 've spoken to them and even had the call escalated, but they refuse to make adjustments despite them clearly making a mistake.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, have violated my rights. 

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, no 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
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. (LA)

I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-20
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. (GA)

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), has violated my rights.

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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act Convergent Account # ( LISTED BELOW ), has violated my rights.

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. 
XXXX NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2023-10-27
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. (AZ)

They will not validate the debts! They will not provide me with the documentation! They just reporting inaccurate information. 
Section 809 [ 15 U.S.C. 1692g ] validation of debts ( 1 ) The amounts of debt ( 2 ) Name the creditor to whom the debt is owed ( 3 ) A statement that unless the consumer within thirty days after receipt of notice, disputes the validity of the debts or any portion thereof, the debts will be assumed to be valid by the debt collector ;
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Consumer Financial Protection Bureau, I am writing to complain about the way my bank, [ Bank of America ], has handled my claim of a fraudulent check deposit. My complaint number is XXXX and my claim number is XXXX. 

On XX/XX/2023, I deposited a check into my account after speaking with a bank representative. The representative told me that the only way to know if the check was valid was to deposit it. I did full research because the company that issued the check was suspicious, but I followed the representative 's advice. 

The check cleared and the funds were deposited into my account. However, after 5 days, I did not receive the job offer or the goods and services that I had purchased. I informed the bank immediately and was told that they would investigate the matter. 

On XX/XX/, the bank informed me that they were refunding the full amount of the fraudulent check deposit and considered the claim to be settled. This was after I submitted a claim with a police report and was told that there is no further investigation needed. 

However, on XX/XX/, I was debited {$960.00} for the fraudulent check deposit after the bank recontacted me after 2 month of the settled claim. 

I believe that the bank has violated my rights under the Consumer Financial Protection Act by : Failing to investigate my claim of fraudulent check deposit in a timely manner. 
Debiting my account for the fraudulent check deposit after I had already been refunded and the claim had been settled. 
I am requesting that the CFPB investigate my complaint and take appropriate action against the bank. I am also requesting that the bank be ordered to refund the {$920.00} that was debited from my account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (TX)

ON DATES MENTION ON ATTACHED DOCUMENTS I XXXX XXXX XXXX DID NOT GIVE PERMISSION TO COMPANIES IN ATTACHED DOCUMENTS PERMISSION TO PULL MY CREDIT REPORT. THERE IS NO AGREEMENT WHERE I SIGNED THAT CAN PROVE I GAVE SAID COMPANIES TO PULL MY CREDIT REPORT. 
THIS WAS DONE WITHOUT MY KNOWLEDGE.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/23 somebody took {$24000.00} out of my Checking Account. 
My mistake was that I had the Bank page open when I was talking to this person. I was complaining about getting many emails about XXXX subscription expire ( about dozen emails ) .He said ( fake of course ) he will see If I was charge and he will cancel such subscription. In the mean time he managed to move {$50000.00} from my Saving to my Checking. You can't make a transfer from Savings Account. Once money was in my checking account he transfer this {$24000.00} to his account at XXXX Bank. 
I think he installed a malicious software ( XXXX XXXX ) in my PC. I was told this at XXXX. 
I called my Bank immediately and they said it was a Fraud and cancelled my XXXX accounts. 
They connected me with Fraud Department and they said they will communicate situation to XXXX Bank for them to not let money go. 
It seems both Banks acted to slow. XXXX let money go next day even knowing it was a fraud
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Complaint against Hyundai Capital America, Account # XXXX To Whom It May Concern : This letter is to dispute the inaccurate and negative information Hyundai Capital America ( XXXX ) furnished to the three ( 3 ) Credit Reporting Agencies ( CRA ). Hyundai Motor Finance violated my Fair Credit Reporting Act ( FCRA ) rights which are listed below.

1. FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) 2. FCRA 623 ( a ) ( 8 ) ( E ) and 623 ( b ) ( 1 ) ( E ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and ( b ) ( 1 ) ( E ) 3. FCRA 623 ( a ) ( 6 ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) 4. FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) HCA is reporting my account as being charged off instead of account closed. Traditionally charge-offs occur when a customer is at least XXXX days late paying their bill. As you can see from the payment history provided, I have never been 120 days past due. Lastly, there is no indication that XXXX sold this account to a debt buyer or transferred the account to a collection agency. If so, I would have been made aware by the collection agency that my account was delinquent and given an opportunity to resolve the matter. This did not happen. 

XXXX is reporting that the 1st day of delinquency is XXXX. This is inaccurate! Based on my payment history, all payments were made consistently each month. Enclosed are bank records and Hyundais monthly statement showing that I made a payment in XXXX and XXXX. 

On XX/XX/2023, I sent a dispute letter to all three ( XXXX ) credit bureaus informing them of the inaccurate information that was placed on my credit report. XXXX updated my credit report, which still reflects a charge-off and a false delinquency date. 

It is my hope that after your investigation : XXXX. My XXXX account will reflect a closed account instead of a charge-off, and XXXX. The delinquency date be removed, and all payments updated to reflect paid on time. 

XXXX has a grave responsibility to report true and accurate information on a consumers credit report. The inaccurate reporting charge-off has lowered my credit score and decreased my credit score and buying power. I am in arbitration with XXXX because they have violated other laws as well. I have attached a detailed timeline for your reference, which will provide you with more context. 

If you have any questions or concerns, please feel free to contact me via email or my cell at XXXX.
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I have sent the company a cease and desist. This company has refused to adhere my complaint and do anything about it. They ignored my requests by phone, email and letter. Please have this company cease and desist the INACCURATE information on my credit report. They have things in collections that I reported fraud. My first name, middle name, last name are all incorrect. 

Even the collection agency has an inaccurate name for me in their system in my whole file. 

They have credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They continue to delete and then add these inaccurate accounts with my name spelled wrong and fraudulent accounts on report which is terribly messing up my credit XXXX  ) I requested that XXXX XXXX XXXX remove inaccurate Alias names off my credit report. Also remove the collections which has the wrong Alias names. Also my old marriage name ( " the know as '' ) 3. ) Also remove the credit debt charged off my account because it doesn't belong to me anyhow. All these accounts are inaccurate. I have contacted the 3 credit bureaus by MAIL, their dispute website, and certified mail and I still see no results. They are clearly not adhering to the FCRA laws. Every time I try to get an application for credit for my business or personal. they say I have false and unmatched information on my reports. This is extremely frustrating. They are messing up my families life and business credit now. I need something done ASAP XX/XX/2024 and XXXX XXXX XXXX  all sent certified on these dates. amounts included are 1. ) {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. ) {$81.00}
Consumer complaint received 2024-04-25
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-09-17
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. (GA)

I have been trying to get XXXX, Experian and XXXX to remove a FRAUDULENT account and the address associated with said account for over a year. My address is not and has never been XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and I would like that address removed from my credit report immediately and permanently. 

There is a XXXX XXXX XXXX XXXX account that is in a charge off status on my credit report that i have been challenging for years that is FRAUD. I would like that account deleted immediately. There was another XXXX XXXX XXXX XXXX account that was fraudulent, that was removed as a result of my dispute yet this one remains. How can one account that was open at the exact same time be fraudulent and removed but not the other? There are also several inconsistencies in the reporting of this fraudulent account across the three bureaus which further supports that this account is unverified and should be removed.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (SC)

Chase did not resolve the matter of neglecting to pay my homeowners insurance and allowing my policy to lapse. They admitted that they assume the policy was paid prior to acquiring my mortgage account from XXXX. They did not provide any information pertaining to repairing my home via lender-placed insurance, nor did they correct their mistake as Ive had to purchase a new homeowners insurance policy at a higher rate than the previous policy that they did not renew and allowed to lapse.
Consumer complaint received 2024-04-25
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. (OR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Today, I received notification from XXXX XXXX that a company named Genesis Credit Management added a collection to my file between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  resulting in XXXX points to my credit score. The notice states the original creditor was " XXXX XXXX XXXX at XXXX. '' This is the first and only notice I have ever received in my name regarding this matter. My husband has disputed the debt ( from notices that came directly to him ) since approximately XXXX. It seems Genesis emailed him in or about XX/XX/XXXX and my husband disputed the debt. Genesis appears to ignored the dispute, provided no verification of the debt, then began calling my husband 's personal cell phone. My husband filed a complaint with this agency and has not received any update yet. Since XXXX I have never received any notices, mailings, phone calls, etc., regarding this debt. Genesis has never communicated with me nor provided me an opportunity to dispute the debt prior to adding the collection account to my credit report.