davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. ()

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

During the pandemic I filed for unemployment with the state of Nevada, I was under the impression that I was denied, until I received a email from the state of Nevada about paying taxes on funds that were paid to me. I contacted the state of Nevada unemployment agency, who then advised me they paid Bank of America nearly {$40000.00}. I was then advised to contact Bank of America to retrieve my funds. When I contacted Bank of America and explained my situation. I was told that all of the money that was paid by my sponsor, had already been spent. I then started filing for unauthorized use and transactions for the whole amount. It has since been proven that my mail was rerouted from my address, where I was living at the time of my first initial file. I filed an identity theft affidavit with the IRS, multiple identity theft complaints with the FTC identity theft.gov. I filed police reports and more. As of today Bank of America has paid me {$9.00}, XXXX out of {$41000.00} stolen. They have given written proof that they were in the wrong and allowed someone to steal my money. Yet they continue to deny my claim for {$21.00}, XXXX on a general basis, which is completely illegal and done by a machine. I have refiled and complained numerous times and I'm getting nowhere. I have given Bank of America sufficient evidence and documentation, yet they still have not paid me.
Consumer complaint received 2024-06-06
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. ()

It looks like someone has accessed my credit report. Once more, I discovered a lot of things that I do not own when searching through my files. Due to my meticulous study, I discovered that credit bureaus are legally obligated to remove any things that are determined to be fraudulent as a result of identity theft, as stated in section 605b of the FCRA. I am not the owner of the contested objects. Please take these things out. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

I am writing to file a formal complaint against Discover regarding the inaccurate reporting of my closed account on my credit report. Despite the closure of my account with Discover in XXXX, which is now over 7 years old, they have persistently reported false activity on my credit report, with the most recent instance occurring this month, XX/XX/XXXX. 

Under the Fair Housing Act, specifically code 1681 Section 623 ( a ) ( 1 ), it is explicitly stated that inaccurate information must be removed from credit reports. Discover 's ongoing reporting of false activity on my closed and charged-off account directly violates this provision.

I am formally requesting the immediate removal of the inaccurate information from my credit report in accordance with the provisions outlined in the Fair Housing Act. It is imperative that Discover rectifies this matter promptly and ensures that accurate information is reflected on my credit report moving forward. 

I appreciate your attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-06-06
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 am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (FL)

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 2024-07-14
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. (NJ)

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the account XXXX XXXX XXXX XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/year>, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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)

Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

1. I had an issue with XXXX XXXX  as my ticket was cancelled within 24 hours and the credit was not given so open a dispute with Chase Credit card. The Chase gave me temporary credit of {$1100.00}. After a few days, the same amount was charged back stating my transaction was valid as per airlines rules. The airlines keeps telling me that we issue a credit check with your bank but chase did not help me resolved this issue. Although, I provided email evidence from XXXX, no help from Chase. I doubt the Chase dispute department ever contacted XXXX XXXX After my repeated attempt with XXXX XXXX, they issue a credit on XX/XX/23 but Chase Rebilled me the same original amount again ( twice one was already rebilled on XXXX ). When I called, they said we need to investigate but no resolution until now. 
2. the card also offer a trip cancellation benefits and I provided doctor notes as I had XXXX XXXX XXXX XXXXut they said you are not eligible because of pre-existing condition. I did not have any pre-existing condition. They are misguiding the customers and not giving benefit as they advertised. I was getting different answers from different customers representatives.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I received an email from Bank of America ( XXXX ) for a XXXX XXXXXXXX XXXX XXXX XXXX credit card. The offer was {$750.00} cash back after spending {$5000.00} in 90 days. 

I decided to apply for the card and followed the instructions on the email, which was to call a XXXX XXXX XXXXXXXX to apply at XXXX. 

I did that, and spoke to XXXX XXXX ( XXXX ) He asked me to forward him the email showing the offer I received, which I did on XX/XX/2023. 

I applied over the phone, and he explicitly told me that I would receive the {$750.00}, and to ignore what the terms on the actual application said. 

I was approved for the card, and spent {$5000.00} as required by the offer, but I only received {$300.00}. 

I tried to reach out to XXXX XXXX multiple times ( XX/XX/2023, XX/XX/2023 ) via email but was unable to reach him or get a response.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I am applying for the Public Service Loan Forgiveness ( PSLF ) program for my XXXXXXXX loans ( at Mohela ) and submitted my final PSLF Employment Certification Form ( ECF ) on XX/XX/XXXX, which covered my employment ( at my current employer ) from XX/XX/XXXX to XX/XX/XXXX. The form was finally processed by Mohela on XX/XX/XXXX, however the monthly counts by Mohela were only updated to XXXX ( it should have been 120 months, which is the amount required for loan forgiveness ). The month that was not counted ( listed as " Employment not certified '' ) was XXXX of XXXX, which should have been certified by the last ECF form submitted. I called Mohela on XX/XX/XXXX about the error and was told that in order for 10/2022 to count they would need an additional employer verification with resubmittal of a new ECF form. I was told the new form would take at least 60 days ( even though I just waited 60+ days for my last ECF ). Despite me asking to speak directly with a supervisor, I was never allowed to do so.

As a result of this error, I will now need to continue paying loan payments despite the fact that I have reached XXXX payments and therefore my loans should be in the process of being forgiven.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting inaccurate and or information that does not belong to me nor authorized by me. The following inquiry is not authorized by me : - XXXX XXXX XXXXXXXX - XXXX On XX/XX/year> I requested a credit freeze on my file as well as called Transunion.
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MS)

Subject : Response to Adverse Action Violation of 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602 I am writing in response to the adverse action taken by XXXX XXXX XXXX regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically XXXX2 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore, it is not lawful to deny me my right to grant credit!
Consumer complaint received 2024-06-06
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2024-06-05
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. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Equifax, I hope this message finds you well. I'm urgently contacting you regarding critical discrepancies in my credit report that directly violate the Fair Credit Reporting Act ( FCRA ). It has come to my attention that persistent errors remain in my credit profile, indicating a significant oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute governing the collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers. 

Instances of FCRA violations include : Inaccurate financial data furnished by creditors to reporting agencies. 
Merging individuals ' information based on name or social security number similarities by agencies. 
Neglecting prescribed protocols for handling disputes. 
Under the Fair Credit Reporting Act, I hold specific rights, including : The right to verify the accuracy of my report, especially for employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The ability to dispute and demand bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information according to prescribed time frames. 
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to inaccuracies, lack of verifiability, and ongoing invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 

1. XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 



I anticipate prompt action to rectify these violations within the FCRA 's mandated timeframe. Failure to comply will unfortunately leave me no choice but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX