davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. 

For the last time please take a look at my attachment and follow along : Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 
2. How can you say you call the company and verified reporting inaccurate information? 
3. How can you close the same account twice at the same time on a credit report? 


Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXXXXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXXXXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 
Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX  XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I sent a payment to Citi Cards in XX/XX/year> for the full amount owed which was {$13000.00}. The check cleared on XX/XX/XXXX of XXXX  and the company claims that I have not made the payment. But I have a clear check that clearly shows Citi Bank stamped on the check. They are now reporting my account is late and it is damaging my credit. Again, I have a copy of the clear check. I called citi and I explained this to them. They claimed that they will open an investigation, but I have heard nothing from them. I called and spoke to six different representatives on XX/XX/XXXX and no one seems to know anything this is ridiculous and unacceptable.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Capital Good Fund (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (VA)

To Whom it may concern, On XXXX XX/XX/year>, Flagstar bank ( my mortgage company ) sent my insurance payment to the wrong company. They sent my payment to XXXX, in the amount of {$960.00}. I do not hold a policy with XXXX. XXXX still cashed the check, knowing I was not a policy holder. For the last 4 months I have been trying to get my money sent back to my bank to no avail. I filed a complaint with XXXX complaint department, I finally started getting come movement. 
As of XXXX XX/XX/year>, they stated they returned the check back to Flagstar, but Flagstar has not received the check as of today. Flagstar reached out on XXXX XX/XX/year> saying they have not received the check yet, but XXXX has not responded yet. 
XXXX sent XXXX different checks, and for some reason Flagstar still say they have not received anything. They were sending payment to a XXXX XXXX XXXX in XXXX I finally got a physical address to send the check to their corporate office in XXXX XXXX, I received tracking number, and a confirmation XXXX  package was received in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, on XXXX XX/XX/year> at XXXX XXXX. I have been following up with Flagstar and no one can tell me where my payment is. I requested to speak with a supervisor twice to see if they can escalate my issue. I requested they call the XXXXXXXX XXXX XXXX, but they refused to call them to follow up to find my check and epidote the process. All I get when I have been calling for the last XXXX months, is they are waiting, they will follow up, but nothing. 
As of today XXXX XX/XX/year>, they said around the XXXX of XXXX they called XXXX trying to see where the check was. But XXXX did not release any information, and told them to send an email, no follow up was received by XXXX as of today XXXX XX/XX/year>. I called and spoke to a XXXX Representative ; he stated the check was not cashed. So, we are just going in circles the last 3 months. 
I was told they have until XX/XX/XXXX to close the case and have a follow up. A supervisor said they will contact me then. For the last four months, all I have gotten from Flagstar is that they are looking into it, and here I am still with no resolution. This entire process is entirely too long and stressful, Because of the delay, an escrow analysis was conducted, and I was short, and my monthly payments will increase. Something that was not my fault to begin with, I paid my bill as instructed on time every month, the headache is entirely unacceptable. This is the second time I have had issues with Flagstar. Simple things that should be handled quickly. I also do not understand why they have addresses where payment can not be received. XXXX sent three payments and none of them were received. 
Thank you for your time and attention.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I previously filed a complaint regarding the unexpected closure of my account without prior notification. HSBC claimed to have sent a letter informing me of the closure, but I have yet to receive this correspondence. 

Due to this lack of communication, I encountered significant inconvenience and financial loss. Specifically : a ) A one-month delay in accessing my funds. 
b ) Loss of interest income during the one-month period. 
c ) Additional expenses amounting to {$310.00} for collecting the funds via check. 

To resolve this matter, I request the following : 1 ) A tracking number for the alleged notification letter ( To confirm I didnt receive those letter till today ) 2 ) An explanation for why alternative communication methods ( such as email, SMS, or phone ) were not utilized to inform me of such a critical decision. 
XXXX ) Appropriate compensation for the aforementioned losses.
Consumer complaint received 2023-12-19
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. (NY)

My Experian credit report showed a debt in collections to XXXX. I never owed XXXX money. I disputed with XXXX. They removed the item from my report. But now, months later, the company XXXX XXXX XXXX ( XXXX ) provided a credit report to a potential landlord, and the report included the same debt in collections that was removed from my XXXX report. It looks like XXXX got the report from TransUnion. My complaint is that I dont even know who all has this incorrect collections item under my name, and I should not have to call up the furnisher and other credit bureaus to fix it. XXXX, the furnisher, or both have illegally failed to propagate the results of the dispute.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Negatively Reporting Remarks, Late Payments, and Closed Accounts To Whom It May Concern, I am writing to you in response to the recent settlements between TransUnion LLC and the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ). It has come to my attention that these settlements pertain to willful negligent practices, which directly impact consumers ' credit reports and financial well-being. 

As a consumer affected by TransUnion 's reported violations, I demand immediate action to rectify the negative impact on my credit report. Upon reviewing my credit report, I have identified several entries that are inaccurately reported, including but not limited to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, credit card usage for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. XXXX. These entries are erroneous and have unjustly affected my creditworthiness. 

Considering the recent settlements with the FTC and CFPB, it is evident that TransUnion has engaged in practices that have unfairly harmed consumers. As per the Fair Credit Reporting Act ( FCRA ), I assert my rights to accurate and fair reporting of my credit information. 

Therefore, I demand that TransUnion promptly takes the necessary steps to : Remove all inaccurately reported negatively impacting remarks, late payments, and closed accounts from my credit report. 

Provide written confirmation once the removal process is completed. 

Failure to comply with this demand within a reasonable timeframe will leave me no choice but to pursue legal action to protect my rights under the FCRA. I am well aware of the rights afforded to me as a consumer, and I am prepared to take further steps to ensure fair and accurate reporting of my credit information. 

I expect a prompt and diligent response to this matter. Please acknowledge receipt of this letter within 15 days and provide a timeline for the resolution of the inaccuracies on my credit report. 

I appreciate your immediate attention to this serious matter and your compliance with the FCRA regulations. Please address all correspondence regarding this issue to the Principal address on file.
Consumer complaint received 2024-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FISERV INC. (GA)

This is my second complaint on Trs recovery services in reference to XXXX XXXX XXXX XXXX. A letter was sent to pay a grocery debt not paid by XXXX XXXX  so I paid in full from my XXXX account. XXXX I want this refunded immediately as they have not communicated with XXXX my payment. Trs continues to act in bad faith and to blantly tell lies they are communicating with XXXX and as of XX/XX/28 no communication has been had and my account is still on hold. Last supervisor I spoke with XXXX XXXX was very condescending and non empathetic. Ive made several calls and nothing has been done. XXXX XXXX is saying now they have no way to contact XXXX which is not what XXXX is communicating to me. I want my money refunded immediately or I will sue Trs and Telechek both.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My heart sank as I received the disheartening news : my dream of buying a home had been shattered due to the discovery of identity theft. The shock washed over me like a wave, leaving me feeling vulnerable and betrayed. How could someone steal my identity and jeopardize my aspirations? The sense of violation and injustice consumed me as I grappled with the harsh reality before me. In this moment of despair, I knew that I had to gather my strength, reach out to authorities, and take immediate action to rectify the situation. It was time to rebuild not just my credit, but also my trust in the system, and ensure that my dreams would not be forever deferred.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

3 MONTHS AGO TRIED TO GET INTO MY ACCOUNT AND COULD NOT, I HAVE SENT IN EVERYTHING USAA HAS ASKED FOR AND TO NO AVAIL.USAA HAS NOT CONTACTED ME ABOUT MY ACCOUNT BUT YET USAA HAS SENT ME LETTERS BUT I HAVE TRIED TO TALK TO SOMEONE BUT NOBODY WANTS TO HELP ME! USAA WILL TAKE MY MONEY BUT WILL NOT HELP ME ANY OTHER WAY
Consumer complaint received 2024-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

On XX/XX/XXXX the irs deposited a check for XXXX into my savings account it was in my partners name XXXX XXXX and they release the funds on XX/XX/XXXX transferred funds of XXXX to checking several days later they froze my account due to the check being in a different name XXXX opened a account with them we tried to add her to my account they she did all it and told them that this was for money she owed me. we get the run around and they have had my money for months now they wont release it or will they give any information to me they say they are closing my account over a month they are doing nothing about it and we have no answers my name is XXXX XXXX the Bank is XXXX
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-06-27
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)

My XXXX XXXX XXXX that Ive made payments monthly from my XXXX XXXXXXXX account was mistakenly reported as fraudulent. I sent numerous affidavits stating it was a mistake and the account I was paying on through my XXXX XXXX XXXX account monthly was mine. I was told the card was being investigated, not closed and then it was restricted, still not closed. I tryed making a payment to the card this month but it was restricted and therefore was unable to. I received a call from an account specialist from XXXX XXXX stating I was being issued a new card with my balance transferred but the account wasnt closed. However, i received an email from Experian saying XXXX XXXX rejected the card closed, fraudulent but issued another card and now all my credit history was wiped out! Which I can prove I made payments. This goes against the FCRA and my rights to correct reporting! Im trying to buy a home. This was an error in the CFPB sending the wrong information to the wrong card as the XXXX is mine-now theres inaccurate reporting being done to the bureaus and it needs rectified! The account was never closed! The balance was transferred and the account is still active!
Consumer complaint received 2024-06-28
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. (TX)

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 2024-06-28
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. (IL)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!