davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Acct # XXXX This account shows Im Late on one payment but its incorrect & shows 3 different late payments on 3 different months I paid this Account on time & has been paid off on time the inaccuracy of this late payment has affected my credit score & against the Law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-08
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: LEXISNEXIS (SC)

I twice disputed an invalid judgement/lien appearing on my LEXINEXIS consumer report. I provided evidence that the judgment/lien was not valid and had been vacated and dismissed by the court. LEXISNEXIS verified the information as accurate with my first dispute. Now they say that they could not verify my identity. I am being damaged due to this issue. I am sick and tired of stall tactics.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (NY)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-07-17
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am writing to dispute the inaccurate information on my credit report. I have identified the following account which contains incorrect information and needs to be investigated and corrected : - **Account Name** : SANTANDER CONSUMER USA - XXXX XXXX : XXXX - **Account Type** : Auto Loan - **Responsibility** : Joint with XXXX XXXX - XXXX XXXX : XX/XX/XXXX - **Status** : Paid, Closed - **Status Updated** : XX/XX/XXXX - **Original Balance** : {$19000.00} - **Terms** : 75 Months **Inaccurate Information** : - Payment history reflects multiple past due payments that I believe are incorrect. 

According to my records, the payment history reported for the following months is inaccurate : - 90 days past due as of XX/XX/XXXX, XX/XX/XXXX - 60 days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 30 days past due as of XX/XX/XXXX I am requesting an investigation into this matter and that the incorrect information be corrected or removed from my credit report. Enclosed are copies of my records supporting my claim that this account was not past due during the periods indicated. 

Please complete this investigation within the legally mandated XXXX period. 
My wife 's name is XXXX XXXX And they are reporting that my wife 's name is XXXX XXXX, this information is also inaccurate and incorrect all the payment stubs say that name does not belong to my wife, here I am sending you a copy of the license from my wife.All the account statements say the same thing and that is inaccurate information. 
Once the investigation is complete, please provide me with written confirmation of the results.15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general it, 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 modity that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from tha file of the consumer.
Consumer complaint received 2024-07-17
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. (CA)

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries. I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. 

The following inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NH)

My husband requested a balance transfer from his XXXXXXXX XXXX  Card to our Citibank Credit Card in the amount of {$4000.00} on XX/XX/XXXX. This was reflected in both credit card statements. Then a second balance transfer was made on XX/XX/XXXX for the same amount of {$4000.00}. I don't know how this happened but it was also reflected on both statements. It put his XXXX account over the credit limit and created a negative balance ( credit ) on the Citibank account. 

I wanted to fix this and asked both banks to help reverse the transaction. XXXX credited the {$200.00} fee for the second balance transfer on XX/XX/XXXX. Citibank posted a transaction on XX/XX/XXXX, " REVERSE PAYMENT POSTED IN ERROR '' for {$4000.00}. The problem is they took it out of the Citibank account and did not send it back to XXXX or us. They just took the money. 

My husband has contacted Citibank 5 times without any results.
Consumer complaint received 2024-06-14
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

1. I have been banking with BOA for almost 10 years and have several accounts with the bank and have never had any issues with the accounts and have maintained an impeccable record with the bank. 
2. The bank offered me a Merrill Edge Account to earn better interest on funds held in accounts with a minimum requirement of $ XXXX to start. I had $ XXXX in BOA that was moved to Merrill Account and I wrote a check of {$100000.00} sitting in my account with XXXX XXXX  with the intent to fund Merrill Account 3. Deposited a check of {$100000.00} on XX/XX/XXXX in account ending in XXXX and was told that there was no hold on the check and it shows that on the statement. Check cleared XXXX XXXX  on XX/XX/2024 and funds were withdrawn. On XX/XX/XXXX. XXXX  a hold was placed on the {$100000.00} for 10 ( TEN ) days that is after the bank had already received the funds. 
4. Called the bank on XX/XX/XXXX to find out why there was a hold on the account and was connected to the fraud department and the lies XXXX XXXX XXXX  that I heard from three of these folks was totally astounding. XXXX the supposed manager totally lied and said that the bank had not received the money and they are still in the process of verifying the check when the funds left the other bank on XX/XX/XXXX than BOA should have the money by XX/XX/XXXX. XXXX  and that is how ACH works. I can understand a hold of 24 to 36 hours not ten days. 

After banking with BOA for so many years I have a pretty bad taste and now instead of investing with BOA or Merrill I will be taking my business to an establishment that welcomes my business not treat me like an outcast which BOA did.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear XXXX XXXX  Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-13
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. (MD)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Consumer complaint received 2024-07-16
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. (AR)

According to the Fair Credit Reporting Act15 USC 1681 section 602 says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies, and I am the consumer. It is to my knowledge that I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX and Experian, and XXXX XXXX do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to XXXX XXXX, XXXX, and Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. XXXX XXXX XXXX, or Experian never notified or informed me of my right to exercise my nondisclosure option. 15 USC USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting may take any consumer report containing anu of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumers reports to the purposes listed under section 1681b of this title. '' XXXX XXXX, XXXX, and Experian are not maintain reasonable procedures. Also 12 CFR 1016.7states that " A consumer may exercise the right to opt in or out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo loan assumption XXXX has been denied multiple times over the last year. I have provided all requested documentation to remove my ex spouse from the mortgage, all of which have been denied. I was required to sell the primary residence which i did, this was the holdup for finalizing the loan assumption. The property has been liquidated, however the assumption has been denied again, additional demands for property liquidation have been made by Wells Fargo. 

I have spoken with Wells Fargo XXXX assumption office, phone number XXXX, they have continually denied my assumption application multiple times in the last 18 months. I have faithfully paid the mortgage for over 15 years and simply need the ex spouse off of the mortgage, this seems impossible to conclude for the Wells Fargo XXXX team.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Dear Cfpb ; NTL Recovery Agency ; XXXX XXXX ; I am writing to address an alleged account totaling {$8500.00}, which I have no knowledge of and believe to be associated with fraudulent activity. Despite disputing this matter with the credit reporting agency, they have informed me of your confirmation of its validity. I wish to clarify that I have never engaged with your agency or the original creditor in any capacity. 

Furthermore, the reporting inaccuracies surrounding this account constitute a direct violation of the FCRA and FDCPA. In the interest of resolving this issue amicably, I must request documented proof of this debt, specifically any alleged contracts or agreements bearing my signature, and confirmation of your authority in this matter. Without such substantiation, I demand the immediate correction of any erroneous credit reports related to this debt. 

To facilitate a swift resolution, please provide the following information : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I assert my right to privacy, and under 15 U.S.C. 604 ( a ) ( 2 ), I demand that no information be furnished without my explicit written consent. I insist on an immediate cessation of all communication and collection activities related to this account. Furthermore, I request the prompt removal of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights as outlined in the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : False, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P. (PA)

LVNV funding LLC. This company wants me to pay for a credit card I paid on but refuse to work with me. Have now sent my information to a lawyer and they are coming after me. They wouldnt work with me I paid as agreed.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (CA)

My Original loan was with XXXX, and loan has been sold different lenders, My original loan was {$110000.00} with a mortgage payment of {$930.00}, I received a previous mod from XXXX  I did the XXXX payment on time when I made the last XXXX payment they advised me that my loan was declined for a mod and loan was sold again to Shellpoint, I called Shellpoint to work with them and they offered a modification that is unaffordable, the new loan amount is XXXX with a XXXXas deferment payment and {$60000.00} Downpayment.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to express my serious concerns regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, severely impacting my credit score and overall financial stability. 

The presence of these erroneous accounts has resulted in significant hardships, affecting my ability to secure financial opportunities and maintain a normal quality of life. I respectfully request a thorough review and correction of the disputed accounts, as maintaining the accuracy of my credit report is crucial for my financial well-being. 

I urge you to prioritize this matter and take immediate action to investigate and rectify these discrepancies. Your prompt attention to this issue is essential to restore the integrity of my credit file. 

Thank you for your cooperation and assistance. I look forward to your swift response and resolution.