davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (CA)

someone got a hold of my credit information and updated their email address, their home address, their employer, as if they were me. they used my credit cards and opened new bank accounts, used them without my authorization or consent
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

Received a credit hit for a new debit collection in the amount of {$560.00} for XXXX, but never received any information regarding this debit or that it was any attempt to collect and or given the opportunity to resolve with other opposition, I have filed a police report for identity theft.But requesting that this be removed from my report per the credit report this account was opened in XXXX of 2023. Yet I havent had XXXX in years and debit was paid then.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have a debit card with Wells Fargo and on XX/XX/23, it was attempted to be used for at least 6 unauthorized charges of {$50.00} through XXXX for XXXX credits ( only XXXX of the {$50.00} charges were successful ). I immediately responded to a text message I received from Wells Fargo asking if the charges were made by me, and I said no. I then immediately turned off the card and called the Wells Fargo fraud complaint line to ensure it was reported promptly and correctly. On XX/XX/23, Wells Fargo closed my fraud complaint and said there was no fraud, even though I immediately reported it as fraud, took all the steps to ensure no further charges were made, and have proof that the charges were not made or authorized by me. When I called the fraud complaint line to see if an appeal was an option, I was told I could file a police report if I wanted to take any more action, but that Wells Fargo would not be crediting my account for the 4 {$50.00} charges and that the complaint would not be labeled as fraud. I was not given an option to appeal this decision or told specifically why they didnt find it to be fraud.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (FL)

Tried to work with a point of contact XXXX XXXX. They would not call back to clarify the documents I was sending that they kept emailing they were wrong. I kept calling and emailing for clarification, kept getting the same answer. Spoke with another rep that was available and they confirmed my documents and clarified one that was misunderstood. I received an email from the point of contact that told me I was not to speak to anyone other than her. She then sent an electronic communication that i was denied because i had not submitted the documents timely.. I called and spoke to a " supervisor '' that promised a call back within 2 days, would not provide their name or number for me to contact if needed. Did not receive a call back and a few days received letter indicating we were denied for to our income ( I don't think that was true ). 

Began XXXX XXXXXXXX filing, then decided to try to contact shellpoint mortgage again in XX/XX/XXXX. Eventually found a new point of contact had been added to the online portal. Called and left message for them. We spoke and they had not received the final dismissal of the bankruptcy from the court, but as soon as they did they would call back. I did not hear back. 
About XXXX weeks ago, received a call from their collection team. I explained that I had a long of contact and they looked up and found that I had one and that things were " on hold '' for mortgage assistance review. They took our income and expense info over the phone and said they I did not need to call the point of contact they would be calling me. I was giving it until XX/XX/XXXX. I received a collection call today that said there is now a foreclosure date in XX/XX/XXXX. I explained the last instructions I'd been given by them over the phone, that I hadn't heard from the point of contact. They said that the same point of contact was on there and I should hear from them on XXXX between XXXX EST I'm submitting this complaint, as I have experienced lack of communication to my requests, promises to be contacted with no follow up and miscommunication regarding loan status, documentation needs and was treated badly by the last point of contact when I was trying to provide them with the info accurately and timely.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX dob - XX/XX/XXXX  You are in Direct Violation of The Fair Credit Reporting Act ( CAVALRY PORTFOLIO SERVICES - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
Consumer complaint received 2023-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF NEW YORK MELLON CORPORATION, THE (OK)

I am in the process of trying to register a used vehicle that I purchased. I was stopped in this process because a past lien showed up on the vehicle. The company was listed as BNYMTC AS COLLATERAL AGENT. I found it very difficuly to find the company online, and was finally able to speak to a company representative on XX/XX/23. He interrupted me and tried to tell me that I called the wrong division before I even explained the situation. 

After then allowing me to explain the situation, he verbally gave me an email address to contact, which I did that same day. 6 days later and I still did not hear back from the company. I sent them a follow-up email on XX/XX/23 and they responded with : " Unfortunately, you have reached the wrong department as we only handle residential properties. We do not know where internally this would go. '' The company 's neglect in helping me to promptly resolve this issue has caused me to not be able to register my vehicle.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"
Consumer complaint received 2022-11-28
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. (OK)

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. 

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 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 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 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

This bank unwillingly changed my dispute status to make my dispute not eligible for a provisional credit when this transaction is a regulation E transaction and should be eligible for a provisional credit. One customer service representative told me that they seen I was eligible for a provisional credit and I would be receiving it by the end of XX/XX/2023. I never received the provisional credit. Called in today on XX/XX/2023 and theyre now telling me the dispute type was changed without notifying me and Im not eligible for a provisional credit and they will have to recategorize the dispute and now Ill have to wait an additional 10 business days.
Consumer complaint received 2024-04-24
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)

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( Experian, XXXX, and XXXX ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-29
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting XXXXXXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

Dear Consumer Financial Protection Bureau I am writing to lodge a formal complaint regarding a transaction dispute concerning a moving service booked on XX/XX/XXXX for the amount of {$730.00}, using my Chase credit card. 

Despite my attempt to utilize the services of the moving company, they failed to provide the agreed-upon service. Consequently, I initiated a dispute for this charge on XX/XX/XXXX. Regrettably, Chase informed me on XX/XX/XXXX that the transaction was deemed valid based solely on the presence of my signature and credit card information in the possession of the moving company. 

In response, I promptly provided Chase with a detailed dispute letter on XX/XX/XXXX, outlining the circumstances of the failed service and emphasizing that the existence of my signature and credit card details does not substantiate the provision of services. It is worth noting that I had to resort to booking a XXXX to facilitate the move, a decision necessitated by the failure of the aforementioned moving company to fulfill its obligations. If the services had indeed been rendered by the moving company, there would have been no need for me to engage the services of XXXX. 

Subsequently, there was an error in Chase 's handling of the dispute for the XXXX  charge, which they sought to refund. However, I must clarify that I did utilize the services of XXXX, and the cost incurred exceeded that of the original moving company. 

Despite my efforts to resolve this matter, including a follow-up dispute letter sent to Chase on XX/XX/XXXX, and their acknowledgment of receipt on XX/XX/XXXX, there has been no further communication or resolution. I find it concerning that the process has been protracted, with my repeated attempts to seek resolution met with delays and, ultimately, the assertion that the dispute period has elapsed when I contacted Chase on XX/XX/XXXX. 

Given the circumstances outlined above, I urge you to review this matter with utmost urgency and rectify the erroneous decision made regarding the disputed transaction. It is imperative that Chase reassess the validity of the charge and acknowledge the failure of the moving company to provide the contracted service. Furthermore, I request a thorough investigation into the handling of this dispute, including the delays and lack of communication, and appropriate measures to prevent similar occurrences in the future. 

I anticipate your prompt attention to this matter and a swift resolution. Please provide confirmation of receipt of this complaint and an expected timeline for its resolution. 

Thank you for your immediate attention to this matter. 

Sincerely
Consumer complaint received 2024-06-07
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.