davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

Dear Sir/Madam, I am writing to formally dispute the debt referenced in your communication dated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], regarding the collection on behalf of XXXX XXXX XXXX  .

The debt pertains to the alleged failure to return equipment to XXXX XXXX XXXX. I would like to inform you that I am currently in possession of the said equipment and can return it to XXXX XXXX XXXX at any time. As such, I believe that the debt being pursued is inaccurate and should not have been sent to collections. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt and immediate cessation of any collection activities related to this matter until the dispute is resolved. I am also requesting that any negative information related to this debt be removed from my credit report, as the debt is clearly incorrect. 

I am prepared to coordinate the return of the equipment directly to XXXX XXXX XXXX to resolve this matter amicably and promptly. Kindly provide the necessary instructions for the return process if required.

I request written confirmation from your agency that the debt has been withdrawn and that no further collection actions will be taken.

Thank you for your prompt attention to this matter. Please contact me at [ XXXX XXXX XXXX XXXX XXXX ] to confirm receipt of this letter and to provide further instructions for the return of the equipment.

Sincerely,
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The accounts listed below need to be removed from my credit report due to erroneous reporting These errors are unlawful according to the FCRA please remove immediately from all reports because Im have the right to a fair and accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

Purchased new flooring through Lumber Liquidators and was offered 0 % financing for XXXX years. Credit was extended through XXXX XXXX. When the initial payment plan was setup, it was structured to pay off the loan in the two years offered. Over time, the bank withdrew less and less money each month which ensured the balance would not be paid in time. Today ( XX/XX/year> ) I was charged for two years interest on the entire balance without advanced warning or notice in the amount of {$5200.00}. This was an intentional and deceptive tactic to ensure I would be forced to pay a large interest charge.
Consumer complaint received 2017-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

My house is set to be auctioned off through foreclosure on XXXX XXXX. I am only a few payments behind, but my mortgage company Nationstar has played hardball with me and not allowed any options to fix this problem. I am only {$5000.00} behind on this loan ( about 4 payments ) and am back working again so I do n't see why they have to take this extreme measure and not even give me a chance to fix the problem. I bought this house in 2010 because I had a good job with steady income. I was a XXXX and had been gainfully employed for 23 years. I never dreamed I would find myself in this situation. My company shut down last summer and suddenly I was out of work. Unfortunately I was living paycheck to paycheck and did not have much saved up. I applied for unemployment and benefits, but received less than {$1000.00} and just could not get caught up on the mortgage. The good news is I am back working and can afford a fair and reasonable payment again. The problem is that Nationstar will accept nothing less than the full past due amount. I have been called by their agents who have threatened foreclosure, and I have told them that I want to be considered for assistance through the available programs. They tell me that they will send out paperwork to complete, but it is never sent. I have tried to get Nationstar to open a review but ca n't make ANY progress. This is beyond frustrating. I am less than {$5000.00} behind on this loan and I make enough money to figure out a fair solution. But the problem is that Nationstar has no interest in a fair solution, they just care about foreclosing on my house. I thought I deserved a review of my current finances and expenses in order to determine what options may be available. NONE OF THIS HAS HAPPENED and my house is supposed to be sold this week. I need help!!!
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am writing to formally request the removal of an unauthorized inquiry by Bank of America from my XXXX credit report. This inquiry was conducted without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Bank of America Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX Legal Basis for the Request : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for Bank of America to conduct a credit inquiry on my XXXX report. This unauthorized inquiry violates my rights under the FCRA.

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) mandates that inaccurate or unverifiable information must be removed from a consumer report. Since this inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The unauthorized inquiry by Bank of America has negatively impacted my credit score and overall creditworthiness. It reflects incorrect and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help correct the inaccuracy on my report and mitigate any further adverse effects on my financial standing.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (TX)

Holding excess of {$2200.00} just after paying all property tax from escrow & missing {$1700.00} on escrow balance. 
I have called multiple times on phone listed on the pdf letter that the bank has sent from past complaint. After more than 45 minutes, it just hangs up every time. 

If you review my past submitted xls file, the refunds of {$590.00} on XX/XX/XXXX, and {$390.00} on XX/XX/XXXX were already taken in account & came to missing of {$3300.00}. 

{$1600.00} refund on XXXX, XXXX, XXXX was not on monthly statements & that's why I missed it. It would be better if Axos can provide transparent accounting info including escrow transactions. Anyways, even after taking that in account, we still have {$1700.00} missing from escrow. 

I have updated the xls file to reflect this & also added the over collected escrow ( as reported on Axos site after disbursement of XX/XX/XXXX property taxes ) {$2200.00}. 
Inline image Would you please provide copy of all escrow transactions from beginning of the loan in table format? That will help clarify most of this confusion. 

Now please refund {$4200.00} as soon as possible. 

-XXXX  XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the incorrect reporting of addresses associated with my credit profile by all three major credit bureaus : XXXX, Experian, and XXXX. Despite repeated attempts to rectify this issue directly with the credit bureaus, the incorrect addresses persist on my credit reports. 

The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX I would like to emphasize that I have no affiliation with any of these addresses, and their inclusion on my credit reports is inaccurate and misleading. This misinformation has the potential to negatively impact my creditworthiness and financial standing. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that the credit bureaus promptly correct and update my address information to reflect my true residential address : XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX I urge for swift action to rectify this issue, as it is imperative for the accuracy and integrity of my credit reports. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX  and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with Transunion and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called Transunion to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements
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: EQUIFAX, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX  XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$2200.00}, XXXX  XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED # XXXX  OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE $ XXXXfraudulent addresses connected to fraud never lived there XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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: Experian Information Solutions Inc. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OH)

I recently made a purchase on XXXX for {$340.00} on XX/XX/XXXX using my KeyBank debit card. On XX/XX/2024, XXXX notified me that they issued a refund to my debit card. This was a mistake by XXXX, as the refund was not supposed to go back to my debit card. My issue is that KeyBank has not issued me a check for {$340.00}, even though they closed my account and I no longer have access to it or the refund that XXXX issued to the debit card ending in XXXX.
Consumer complaint received 2024-05-04
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. (CA)

First I discover A XXXX account was on my credit report. I disputed it Experian blocked it and removed favoring toward me that indeed the account was open fraudulently. Some how t mobile sells the same account I disputed to XXXX XXXX XXXX XXXX and now the same account that was already verified was fraudulent appears on my account as a collection.
Consumer complaint received 2024-05-07
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. (VA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account Name : XXXX, Account Name : XXXX  XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-05-06
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. (TX)

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 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

To Whom It May Concern, This is in reference is in response to the letter that your company sent me XX/XX/2023. In that letter, it was mentioned how you have violated the Fair Collection Practices Act ( FDCPA ). In response to that letter, your company replied that it is not governed by FDCPA because the same applies to the third-party debt collector and not the creditors.

I request you to stop sending me the statements and provide valid proof that you are a creditor. That proof should not include the Consumer Contract because as per the judgement in Pacific Concrete F.C.U. Vs. Kauanoe, the Consumer Contract is not sufficient evidence of a debt. Also, provide the audit trail of the transaction originated by you.

I am attaching herewith valid proof of you being a debt collector under the provisions of FDPCA.

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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. (NV)

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the conns furniture has on this account number is incorrect I do not have any business with XXXX 's XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

Experian, XXXX and XXXX are reporting fraudulent activity.