davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have submitted a dispute with all 3 credit bureaus and XXXX XXXX. I have submitted a dispute on XX/XX/23, XX/XX/23 and XX/XX/23. I've talked to representatives with Experian how relying on XXXX XXXX  to verify if correct isn't a thorough investigation because they will simply just say they're reporting correctly when they are not. I have been denied school loans and a credit card simply for the reason of having a charge off status. I've never have had that status and my trended credit shows that is strange. I closed the account with XXXX XXXX  and settled with a debt collector. I've paid the debt collector on time as agreed and will finish settlement being paid off completely in XXXX. XXXX XXXX  keeps reporting I owe them money when it has been closed and through XXXX XXXX XXXX. The frustration that they're reporting is mainly the charge off status. Even as they report " I'm paying them each month '' they're reporting the payments I pay XXXX XXXX XXXX as if I'm paying them and I have no relations with XXXX XXXX  since I have closed. I've spoken with XXXX XXXX... which is a whole other complaint with that company ... and they refused to give me information on my old account at first, then when they finally gave me information they say they will not change the charge off status regardless if it switched to XXXX. I can not get school loans and if this stays on this will stay for 7+years and effect my whole financial life. Experian will not understand that I don't have an account with XXXX XXXX  or owe them money anymore because they just ask XXXX XXXX  if they're reporting correctly regardless of me giving my account info and receipts I have with XXXX. I don't have the exact information of all calls made to XXXX XXXX, Experian and XXXX  at the moment but can get the information if needed. I have settled a new agreement with XXXX  twice and will submit the latest agreement made to prove I have the previous XXXX XXXX  account that I closed through XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and XXXX told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. $ XXXX {$2600.00}, US DEPT ED $ XXXX {$2100.00}, XXXX / XXXX XXXX XXXX {$1000.00}, XXXX $ XXXX {$530.00}, DEPTEDXXXX $ XXXX {$3500.00}, DEPTEDXXXX  $ XXXX {$2000.00}, US DEPT ED. XXXX XXXX {$3600.00}
Consumer complaint received 2024-01-11
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. (FL)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2024-05-24
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: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase Bank Account Number Beginning XXXX Date Opened : XX/XX/XXXX Status : Charged Off XX/XX/XXXX {$270.00} This card appears on my credit as a charge off. I do not remember having this account and I do not have any invoices for this credit card in my payment files. By the on-line record I had the account since XXXX. 

I disputed with with XXXX and received an email stately that the bank considered it a valid debt. However, the bank did not provide me with any collaborating information to help me review this account. I have tried to contact them and can get no one who can tell me anything about this card. I
Consumer complaint received 2024-07-18
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, XXXX transactions from an ATM of {$200.00} each for a total of {$600.00}, was taken from my account all the way from South Carolina. Im from and currently in XXXX York. I didnt get any notifications somehow, didnt see it until XX/XX/XXXX. Called immediately to dispute the charges but was denied the next day because ( this is what I was told exactly ) Our research shows this transaction occurred with a chip card at a chip enabled terminal. 

I will be calling again to dispute the decision
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Today I spent nearly XXXX XXXX hrs trying to access a mortgage representative. Instead I was required to listen to advertising trying to sell me products or services, bogus contests, and I was referred to bogus phone numbers. I spent XXXX mins verifying my account and still was not given access to a qualified representative. The issue is that I was XXXX  for 2 months during the time property taxes were due, much of the time I was in a XXXX XXXX XXXX. Payments were on time, but my taxes were late. The mortgage company was also late with payment, did not notify me, and started extracting about an additional XXXX XXXX  monthly payment to continue paying taxes beginning in XX/XX/year>. By their report there is nearly a {$4000.00} escrow balance. My mortgage was established with no escrow requirements. My taxes have been current with the exception of during my extended illness. The mortgage company ( nor my bank ) has consent to withdraw more than the principal and interest. I want to speak with a XXXX based representative to resolve these issues immediately as they are causing me substantial financial inconveniences.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am asking for goodwill on my late payment in XX/XX/year>. I was going through financial hardship at the time and yet that was the only time I was late on my credit card. Please give me a second chance and make goodwill on the one-time late payment and change it to report as paid on time to XXXX, XXXX, and XXXX.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX XXXX in your letter XXXX XXXX dated XX/XX/XXXX referencing community loan servicing XXXX you state you're included an escrow transaction history from XX/XX/XXXX to XX/XX/XXXX when you transferred that loan to a different servicer yet I only have page one of one which covers XX/XX/XXXX through XX/XX/XXXX it appears that you've excluded all of Bayview and all of communities escrow transactions send me a correct correct escrow transaction history from XX/XX/XXXX through to XXXX of XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, posted on XX/XX/year>, an unauthorized transaction was made from my Wells Fargo debit card in the amount of {$170.00} via XXXX XXXX bank atm in XXXX XXXX, XXXX. I had placed my debit card in the atm machine to view conversion rates to local currenct and did not withdraw any currency/money during this transaction. This transaction was disputed as fraud to Wells Fargo shortly after. After weeks of investigation, Wells Fargo, based on provided information by XXXX XXXX, determined without any further research or video proof, and that this transaction had no errors and that I was charged the correct amount for this transaction based on Wells Fargos final determination. 

I did not authorize this transaction and told Wells Fargo it is fraud but they would not listen after repeated pleas. Wells Fargo has a reputation of ripping off customers in the past, and this interaction does not come off as a surprise in the least.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Two problems Chase moving my account over from First Republic. Note, Chase initiated this move -- I did not request it.

1 ) Bill Pay Recipients not moved as promised.

See the attached Transition Checklist, item Online Bill Pay and Transfers.

My checking account was moved from First Republic to Chase this past weekend. The Transition Checklist states " The online bill pay recipients you set up on firstrepublic.com ... .will transfer to Chase ..... '' I went into the Chase site today and NONE of my Bill Pay Recipients were present. I have sent a " message '' to Chase inside the app, but no response. 

2 ) No instructions provide on how to adjust my XXXX to connect to the new Chase account and flow new data into the existing account in XXXX. 
I have tried several different attempts make my XXXX connect to Chase, but nothing has worked. Chase should provide me clear, easy-to-follow instructions.
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2023 XXXX XXXX XXXX co sent email stating that they were charging my credit card {$290.00}. for service. I called to tell them I didn't want it. Immediately after XXXX resolved this, a man ( XXXX XXXX XXXX said he was from XXXX XXXX XXXX XXXX XXXX XXXXand that he saw that my account had be hacked as well as XXXX ( my bank at the time ) and that he was hired to protect my money from hackers. He told me to wire my savings ( {$50000.00}. ) to an a 'Wallet '' where it would be safe while I changed banks. This company was Gemini Trust who has an account with XXXX bank. I did and I could actually move {$50.00} into my XXXX account. Then few days after, my account was 'frozen ' which it still is. Gemini has no phone number just messaging. Numerous times I messaged Gemini to ask about this and they replied that they were looking into it. Finally they stopped replying. 
XX/XX/2023 I went to XXXX and asked for wire to be reversed. They did an investigation and two months later said that XXXX wouldn't return money. 
In the meantime, I had filed complaints with XXXX XXXX XXXX, FBI, Attorney General XXXX XXXX, FTC and got advice from Legal Aid for Seniors.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-11
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. (PA)

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ), because when I first reported these inaccurate accounts to them, the three ( 3 ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, XXXX has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item? 
They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting. 

Thank you.
Consumer complaint received 2024-01-11
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. (FL)

Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX  XXXX XXXX XXXX  XXXX  fl XXXX Account number name & # XXXX - XXXX
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account was being managed by a XXXX XXXX XXXX, the advisor took my account offline after an argument after he did not pay my credit card bill, making me be behind on credit cards even till now, as it was something always paid from my account, the advisor closed my account and moved my stocks to holding companies, making it very hard to assess money, as I have to have documents and receive checks in the mail, also depositing checks from my stocks has been placed on hold multiple times by Bank of America, when all my checks come from stocks I previously held in a financially advised account, I have now tried to open a XXXX edge account to be told, I had a restriction on my account, which the banker told me he would email compliance and would let me know in two days, that was XX/XX/XXXX, I have not heard from the bank nor compliance about opening a XXXX edge account
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (CA)

We had a late payment, due on XXXX paid on XXXX, so we got a {$50.00} fee, thats fine my mistake. I paid the over due payment & my next payment that was paid early had a {$50.00} Late Payment Fee? So 2 {$50.00} fees for 1 missed payment?
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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  XX/XX/XXXX XXXX XX/XX/XXXX