davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (TX)

TransUnion, XXXX, and XXXX have been continuously reporting inaccurate information on my credit report, even after previous disputes. I have attached a letter that provides proof of the inaccuracies and discrepancies in the reported information. Despite multiple attempts to have this resolved, the errors have not been corrected, and no valid documentation has been provided to support the continued reporting. I request that this matter be fully investigated and that the inaccurate information be removed from my credit report based on the evidence provided.
Consumer complaint received 2024-06-17
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: Southwest Credit Systems, L.P. (CT)

I have an account listed on my credit report ned Southwest credit systems. It says the account was open on XX/XX/year> and the balance is {$550.00}. I have never had a XXXX account in my life. I am a recent graduate from college and I have never worked on my credit because I wasn't taught much. I recently have gotten interested in my credit and wondering what I can do to improve and I see all these random things on my credit. I have tried to contact XXXX but they keep asking me for my account information and I do not have an account so I don't know how to get in contact with a representative. The line eventually hangs up so I am not able to file a dispute through the company directly.
Consumer complaint received 2024-09-12
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. (CA)

I pulled a copy of my consumer report and notified your agency multiple times on XX/XX/year> and XX/XX/year> about some items I disputed. Your agency is in violation due to these items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( XXXX XXXX XXXX ( b ) ). Proof has been provided multiple times and will continue to be provided. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the State Attorney General ( SAG ), XXXX XXXX XXXX XXXX XXXX XXXX, and with the Consumer Financial Protection Bureau ( CFPB ). I informed the creditor and your agency of the fact that I explained the violations both agencies committed under the FCRA. This results in identity theft, which constitutes a violation of the civil liability provision of the FCRA, as I previously stated in the notice that I have reattached for your reference! I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I am filing this complaint against XXXX, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : 1. Re-addition and Re-aging of Fraudulent Accounts : XXXX allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



2. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and XXXX ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



XXXX. Failure to Provide XXXX XXXX : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



XXXX. XXXX of XXXX XXXX XXXX : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



XXXX. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Consumer complaint received 2024-06-17
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was informed a month after XXXX closed all accounts with the bank I had a balance left. I was to call XXXX have the balance sent via check I call to do so XXXX I'm fully verified through customer service but then I'm sent to the risk protection people whom can't seem to verify me through my number or email I go into an institution and I'm refused help because XXXX XXXX bank of America dont bank with each other anymore. All I want is my balance to be sent to me. I'm tired of all this XXXX every time I call it's harassment and absurd
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: Resurgent Capital Services L.P. (GA)

XX/XX/year> XXXX XXXX XXXX closed the account for a balance of {$320.00} cents. Its showing on my credit report that LvNv funding has my account open XX/XX/year> with a balance of {$680.00} and reporting every month. I have the contract of the XXXX XXXX  account and lvnv funding is reporting false information on my account they are reporting it to all 3 credit bureaus.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir/Madam, I am writing to formally dispute the unauthorized access and furnishing of my credit information by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681b Section 604 ( a ) ( 2 ), it is required that a consumer 's credit report can only be accessed and furnished under certain circumstances, including obtaining the consumer 's written consent.

I have reviewed my credit report and found that there have been inquiries and other actions taken which I did not authorize. At no point did I provide written consent to your bureau or any third party to access or furnish my credit information.

According to 15 U.S.C. 1681 Section 602 ( a ), Congress has established the need for fair and accurate credit reporting, emphasizing consumer confidentiality and the necessity for consumer protection against the dissemination of inaccurate information. Furthermore, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) explicitly requires that consumer reporting agencies obtain written instructions from the consumer before releasing their credit report.

Since I did not provide such consent, I am requesting the following actions be taken immediately : 1. Remove all unauthorized inquiries and information from my credit report.

2. Provide me with a comprehensive list of all entities that have accessed my credit report without my written consent.

3. Cease any further dissemination of my credit information without my explicit, written authorization.

I also request that you provide me with written confirmation that these actions have been taken within 30 days of receipt of this letter, as stipulated under 15 U.S.C. 1681i.

Failure to comply with these requests will leave me no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal remedies for the violation of my rights under the FCRA. 

Please address this matter with the urgency it demands. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (NJ)

This goes back to a month ago. I called customer service to dispute ALL transactions from XXXX. Then 10 business days later, One was refunded. I was then told I had to diapute each one, one by one. So I did. Then I get multiple emails today saying I had to verify my identity for EACH disputed transaction. So I did. Which took hours. Now I received an email saying I was denied and my account is closed. EVERY single verification was approved, except one. Because it was poor lighting! So now my account is closed?? This is insane!
Consumer complaint received 2024-06-13
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: Nelnet, Inc. (FL)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DC)

XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that Nelnet had reported several Department of Education student loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart Additionally, the communications I received from Nelnet were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the Nelnet site. I had more than five messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from Nelnet, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken Nelnet at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-11
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. (IA)

I am writing to demand immediate action regarding inaccurate, misleading, and unverified information on my credit report. Despite my previous dispute, which included an FTC report, you have failed to delete the erroneous information within the legally required timeframe. This failure is a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Let me make it clear : my legal name is XXXX XXXX XXXX XXXX, and yet, your records falsely associate me with names such as XXXX, XXXX, and XXXX XXXX. I am seeing at least six incorrect versions of my name on my report. These inaccuracies must be deleted immediately.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-09-12
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. (SC)

I hope this complaint finds you well. I want to bring to your attention a repeated issue I have encountered with Equifax. Despite my request for deletion of this alleged account, Equifax has failed to take the necessary action to DELETE-DA the alleged account from their records. 
It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, since this is true, I am requesting the information you used to verify this account in writing. If such documentation can NOT be produced in 15 days, please DELETE-DA this alleged account from my credit report immediately.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I had a friend try to XXXX me {$100.00} on XX/XX/year> and it didnt go through so she then tried to send {$100.00} which also declined. I then received a email from navy federal stating my account was restricted and then immediately closed. The following day before me and my friend was out eating and she XXXX me {$60.00} and their was no issue. She even contacted her bank chase on a call with me she did NOT dispute anything or report anything as fraud so Im no sure why would a bank just close my account! Ive never had any problems before that.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

The late fee of {$35.00} was applied on the Sunday the XXXX XXXX  XXXX before the due date was even passed. I have been on hold for many hours with more than one representative explaining that my phone line was transfered from XXXX to XXXX XXXX XXXX which resulted in service interruption on Sunday and Monday morning.I had to go to the XXXX store to get the transfer corrected. The supervisor XXXX XXXX only said that the late fee was not possible to wave as it was waved in the passed. At this time the Amex did not even had a valid reason to place it before that due date even passed. Besides due date fell into Sunday. There is nothing I could do to get that payment in to their system sooner than the Monday anyway, which I did in full. I do not wish to do business with unfair company like this anymore as Amex policies has changed as their compony use to be accomodating to their loyal customers and I refuse to pay {$35.00} for not beeing able to submit my payment on the Sunday and submitting full payment only few hours later on the first available business day.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/year> at XXXX XXXX I requested a wire transfer for the closing of my house. It has been over XXXX now and nobody has transferred my funds. Been on hold over XXXX hours and I've received no update and just put on hold.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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


Delete the late payments from my consumer reports