davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 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 2023-11-07
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-06-03
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: EQUIFAX, INC. (NJ)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.
Consumer complaint received 2024-06-22
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. (MI)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2024-05-09
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: Experian Information Solutions Inc. (FL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

new rez / loancare is trying to charge me for a home owners insurance gap which is not true. They already charged my payment towards the escrow for ins and edcrow instead of towards principal for XXXX, I should be credited back. 
Some dates are not specific because I expected this to be resolved quickly so I never recorded dates. The mortgage companies chaged from di-tec to loancare to newrez. 
My insurance company amfam which the insurance was carried, was sending the declaration to XXXX XXXX XXXX former mortgage co by mistake. ( I switched ins companies now ) They never updated the proof of insurance to send to loan care, but the insurance was still up to date on the home. Then in XX/XX/XXXX I started receiving letters from loancare for me to show proof of insurance ( XXXX ). I then started sending many copies of the declaration doc to Loancare and they would take days to get back to me and still did not accept the proof. I made a call in XXXX ( because the declaration proof kept being rejected ) to a rep at loancare but she did not resolve the issue and stated she would contact am fam ( the insurance at the time of the supposed gap ), never heard anything, received more letters from loan care, sent the declaration page and they still wont accept it. 
Today XX/XX/XXXX received a letter from new rez which is one of the XXXX companies once for my current mortgage. 
They are trying to start an escrow for home owners insurance purchased through them and charging me more each month, when my insurance was covering the home with no gaps between amfam and state farm ( new ). 
The amount is {$790.00} in question from new rez, but loancare states the premium is {$400.00}, not sure why a difference? 
The insurance gap they claim is XXXX XX/XX/XXXX which was under am fam. I now use state farm which I started XX/XX/XXXX, and they show it as effective XX/XX/XXXX on loancare web site now, because they accepted the current state farm policybut mot thr gap from an fam. They just dont want to accept the declaration page from amfam that shows continuing coverage from XX/XX/XXXX XXXX. 
XXXX was the site that I uploaded declaration pages. 
Please let me know if you need anything else from me. 
Thanks
Consumer complaint received 2023-06-16
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: NAVY FEDERAL CREDIT UNION (NC)

I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with Navy Federal Credit Union. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. 

This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact navy federal and was offered no resolution.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (OH)

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. 

XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX  and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. 

I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. 

I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. 

Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me.
Consumer complaint received 2018-03-29
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (VA)

I received a letter XX/XX/XXXX that my application for credit card through Truist Bank, where I have a checking account, was denied. The letter gave a contact phone number to request reasons for denial. I called it XX/XX/XXXX and was told I had to call back the next day which I did. On that XX/XX/XXXX call, I requested reasons for denial and was told I would receive an Adverse Action letter within 30 days. Still no response as of XX/XX/XXXX, I called the contact number. The rep said she could see my request of XX/XX/XXXX was logged in but could not see that a response letter had been sent to me. I notified her that they were in violation of the ECOA and FCRA. She said she would check the status and call me back. I have never received a call back or explanation for the credit denial. On XX/XX/XXXX I mailed a letter to them providing this same summary and written notification that my ECOA/FCRA rights have been violated and copied CFPB. I expressed concern that I was discriminated against because I am a retiree who relies on my substantial assets in lieu of employment income, that their lack of compliance with Federal regulations furthers my discomfort and that I look forward to their written response. To date, I have received no response from them.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been trying to get through to an " account specialist '' through a representative at Capital One since XX/XX/XXXX to try to get a 10-day payoff letter. I called on XXXX at XXXX and was on the call for XXXX minutes to be told that an account specialist to write this letter was not available and to call back later. I called again on XX/XX/XXXX at XXXX and was on the call for XXXX minutes and was told the same thing, that an account specialist was not available and to try to call back in " XXXX days '' " due to the high volume of calls ''. I was told that the representatives had no way to send a message to this staff to either call me back or to create a letter once I got off the call. I called again today, XX/XX/XXXX at XXXX and was on the call for XXXX minutes and finally was able to get an account specialist to create a 10-day payoff letter. During this call, the amount for payoff was quoted higher than it was when I called on XX/XX/XXXX and I asked that the amount be lowered to what the payoff quote was when I first tried to get through on XXXX. I explained that it was not my fault that their account specialist wasn't available the first two times I called, and that I shouldn't be charged the fees/interest for that timeframe ; the representative indicated that there was nothing that they could do and that the increased charges would stand. 

I do not normally file complaints with higher agencies, but Capital One has been non-cooperative through this whole process. I am also hearing this issue ( not being able to reach an account specialist for a 10-day payoff letter ) is occurring to others via word of mouth. I can not help but wonder if Capital One is intentionally doing this.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Recently i did an investigation on my credit report and found an inaccurate account. 

XXXX XXXX Bank has violated my rights 15 U.S. Code 1681e - Compliance procedures ( B ) 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. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverified information ( A ) In General If, 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. ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following Items from my credit report, immediately.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2024-05-09
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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