davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am reaching out to bring to your attention a matter concerning the inaccurate reporting of late payments on my credit report, despite a prior agreement for their removal by the credit card company. 

The specific issue pertains to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card company has failed to honor its commitment to remove a 30-day late payment and a 60-day late payment from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), inaccurate or unverifiable information must be corrected or removed promptly. The credit card company 's non-compliance with the agreed-upon removal is a clear violation of this provision.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I have previously reached an agreement with the credit card company to have these late payments removed from my credit report, exercising my right under FCRA Section 611 ( a ) ( 1 ) ( A ) to dispute and correct inaccurate information. Despite the agreement, the late payments persist on my credit report, adversely impacting my creditworthiness. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt removal of the inaccurate late payments from my credit report. Enclosed with this letter, you will find documentation supporting the agreement for removal and any relevant correspondence with the credit card company. 

Your swift attention to this matter is crucial in rectifying the inaccurate credit reporting and alleviating the negative impact on my credit history. 

Thank you for your assistance and dedication to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
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)

i requested for them to remove accounts i dont recognized and addresses and was only givin info to resend my info and i havent heard anything back over XXXX  days.I was never shown any documention with my signature or nothing.I have sent letters to all XXXX  XXXX XXXX transunion and XXXX  example is XXXX of the latters that was sent to me from all XXXX  and i sent them docs but never heard back.
Consumer complaint received 2024-04-12
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. (IL)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED 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 2023-06-12
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: EQUIFAX, INC. (KY)

Notice of Intention : This communication is not intended to threaten, harass, or hinder any lawful operations ; it is for the purpose of obtaining lawful remedy as is provided by law for any Citizen of the united states of America ( without the United States ) ; XXXX XXXX, who is in good standing. 

In accordance with Fair Credit Collection Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ). 

The account names and numbers will be listed under their respective credit reporting agency : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 ( a ) ( 4 ) states that the consumer reporting agencies must be fair, impartial, and respect the consumers right to privacy.

2. 15 U.S.C. 1681b ( a ) ( 2 ) states that the consumer reporting agencies can not furnish an account without my written instructions.

3. 15 U.S.C states that no consumer reporting agency may make any consumer report containing any of the following item of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, Since there are fraud transaction since XX/XX/XXXX. I reported it on XX/XX/XXXX. 

It seems there's an error with the way HSBC bank refund the fraud money. 

According to the Consumer Liability section, if I fail to report within 60 days of receiving the statement, I may not be reimbursed for any losses incurred after that period. However, I reported the issue in XX/XX/XXXX, which should count back 60 days from then. This implies that HSBC should refund me for transactions from Mid XXXX to mid XXXX ( 60 days ). 


Unfortunately, HSBC calculated the XXXX period from XXXX, which is incorrect according to the bank policy. Following the policy correctly, I could potentially lose out on reimbursement for transactions in XXXX and early XXXX, but I should receive refunds from Mid-XXXX to XX/XX/XXXX. 

I'm open to resolving this by accepting reimbursement from MidXXXX XXXX to XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 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  15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-26
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Equifax lock and alert Signed up for this free service and locked my credit report a few months ago. I have been trying to unlock it via the app and website and persistently shows an error. Contacted the customer care service and no resolution. I am unable to apply for any new credir cards or loans as a result of this lock.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it XXXX XXXX XXXX XXXX  XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report
Consumer complaint received 2018-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My property foreclosed, the was sold, the HELOC holder, SLS is still Asking me for money. When the house foreclosed, the loans was extinguished. SLS has placed it on my credit report, it is ruining my credit. SLS was offered to communicate with the primary lender at the time of foreclosure, but they refused.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (FL)

Two times in the past 12 months XXXX, subserviced by Mr. cooper has misapplied my mortgage payment as an additional payment for principal. Additionally I tried calling the company but they are very difficult if not impossible to connect with. Their website has incorrect phone numbers and then when you do finally connect with the correct phone number you get into an automated system which does not work- it is impossible to connect with a service representative. Additionally, their voice recognition software is wholly inadequate - it does not work.
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (UT)

First they try call you and an automated voice says. We are trying to collect a debt. Please call us at the number then they provide the number. I will never back unless they can validate with a person to prevent a scammed to get my information. 

Second, once I get a letter they say I owe XXXX plus interest and fees. I asked them if I can settle for the original amount owed to the XXXX XXXX and they say I can pay what ever I want but the debt will still be there and accrue interest while unpaid. 

Third, if you try to set up payment arrangements they then want to tack on an additional XXXX fee for each transaction. 

I just want to pay off what is owed and not get gouged out of my money. The original debt is for XXXX and they have said that this debt has already been reported to my creditors but they don't know when it will show.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (FL)

army and air force exchange service military STAR card, a US government military credit card, refuses to accurately and timely report my proper on time payments to the credit bureaus, especially XXXX. this is a violation of the law and FCRA. I have made massive payments on my military STAR card through army and air force exchange service and you are XXXX  my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. I am a XXXX XXXX  and and person, STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially XXXX. AAFES STAR CARD hasn't reported my on time payments and lower balance to XXXX credit bureau since XX/XX/XXXX. They just quit and stopped reporting for no reason. I have made FOUR on time payments to military star of XXXX $ from XX/XX/XXXX to XX/XX/XXXX, which AAFES STAR card refuses to report properly on time every month. PLEASE STOP PENCIL WHIPPING THIS REQUEST AND LYING TO THE CFPB, AAFES HAS NOT RESOLVED THIS MATTER DESPITE MULTIPLE COMPLAINTS, OR BE SUED- AAFES refuses to correct or update the credit report and instead says to email them, and they then refuse to do anything over the telephone and or email when requested. I am reporting AAFES to XXXX XXXX XXXX of XXXX  and having him making a complaint to the director of army and air force exchange service in this matter. **** XXXX XXXX XXXX DO NOT FILE A DISPUTE IN THIS MATTER I HAVE ALREADY FILED A DISPUTE AS OF XX/XX/XXXX. CONTACT AAFES MILITARY STAR AND GET ME AN ANSWER WHY AAFES MILITARY STAR NO LONGER REPORTS TO XXXX CREDIT BUREAU.
Consumer complaint received 2024-04-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

12 CFR 1006.34 ( D ) : This regulation mandates that consumer reporting agencies must provide a notice of dispute to the furnisher of the information within five business days.I must highlight that I did not receive the notice within the legally required timeframe.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving that this was my debt and or that I had paid the accounts late.

The companies are reporting this information to my 3 credit reporting agencies without ending validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transuion Credit Burea still reporting my credit score low because of my credit balances shouldnt have anything to do with reporting my score low. I think it being bias.I can not get a decend rate for a mortage. i need help with this problem.
Consumer complaint received 2023-11-02
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (OH)

Debt was paid in full to XXXX, the Electric provider. Collection company, Eastern Account System, claims entire amount paid to XXXX is the debt I owe them. XXXX processed payment XX/XX/24. My credit took a hit of XXXX points because of the clerical issue, right as I'm in the process of replacing my car.
Consumer complaint received 2024-04-12
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conduent Incorporated (IN)

Way2go XXXX which my retirement benefits are deposited. Charge was made XXXX {$110.00} notified co XXXX. Filled out report they sent me charge was reversed. 

Thought issue was taken care of, then they debited money back out XXXX. When I contacted them found out that they used a chip card. I explained to them yet again that I still have card wasn't lost or stolen. Suggested it may have been skimmed.

Their reply was to write another letter explaining why I was disputing charge and include documentation. I only have statement which they have showing charge.

This is my 1st credit card and will be my last. They treated me like a criminal! Personally I think they should be fined or something for the way they treated me. 

XXXX XXXX