davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I applied for a checking account at New York Community Bank ( NYCB, a division of Flagstar bank ) on XX/XX/XXXX. The account was opened and funded with the required {$100.00} initial deposit on XX/XX/XXXX. I then fulfilled the requirements for {$350.00} promotional bonus : $ XXXX direct deposit and average daily balance of $ XXXX within the first 90 days after opening the account. Specifically, my transactions were : XX/XX/XXXX - deposited {$100.00} ; XX/XX/XXXX - {$1300.00} direct deposit ; XX/XX/XXXX - withdrew {$850.00}. The average daily balance for the first 90 days was ( $ XXXX $ XXXX ) XXXX = {$590.00} In fact, a rep confirmed my eligibility for {$350.00} bonus via chat on XX/XX/XXXX. During my subsequent interactions with the bank, they kept promising to get back to me but never did. Please help me receive {$350.00}.
Consumer complaint received 2024-07-31
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXX - XXXX PayPal restricted my account due to some transfers I received between XX/XX/year> and XXXX which were from my clients because I work in the field of graphic design, this is not the first time but the second maybe the third, they asked me for my identity information, the bank, an explanation of these transfers, and I confidently and happily gave them everything, and I gave them the last bank I transferred the amount to as well, which is XXXX of my banks But suddenly on XX/XX/XXXX they restricted my account completely, now I can not receive my salary, nor work, everything is stopped, and my daughter has an operation in XXXX months, the amount is XXXX XXXXd and I have been working hard for this number, and because of PayPal 's reckless decision and restricting my account without finding an illegal work that violates their laws, I am unable to pay the costs I demand PayPal take another look at what I sent them, or request correction and clarification of what they see as violating their requirements, and I will give them I will gladly do it, within XXXX days or a week, not months like last time because it is a matter of life or death.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX  XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

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 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 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 2024-08-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (IL)

My mortgage servicer is Village Capital and Investments LLC. Village Capital has not given XXXX XXXX XXXX the mortgage payoff amount to close my refinance. I was told by XXXX XXXX Loans that they had requested the documents from Village Capital on XXXX XXXX, XXXX  and XXXX XXXX, XXXX, both of which have not been fullfilled. I was supposed to close on my loan on XXXX XXXX, XXXX. Village Capital has been holding my payoff amount XXXX now for over 21 Days now and that there supposed to give any mortgage payoff amount in the XXXX business days. Today XXXX XXXX, XXXX  with still no pay off I would like to see Village Capital give XXXX XXXX XXXX the pay off so I can please move on from this nightmare of refinance that they have put me through it is cause undue stress and with my mortgage being due soon I this to come through as soon as possible. Village Capital has hassared me to refinance with them. After doing some more research into them I chose not to continue business with them after seeing multiple people having nightmarish experiences with this company.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

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 2024-08-06
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: ProCollect, Inc. (TX)

I am writing to formally dispute inaccurate information reported on my credit report. I have previously requested verification of this account through a purchase agreement, but I have not received a satisfactory response. The account in question contains fraudulent information that does not pertain to any transactions or agreements I have made.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-31
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. (FL)

I received a statement from TransUnion dated on XX/XX/2024, with the file number XXXX regarding the reinvestigation of the following accounts below were validated : XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX XXXX/XXXX - Account # : XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day 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 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: DriveTime (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS { XXXX ] RE : XXXX /Drivetime Account # : Vehicle : XXXX XXXX XXXX XXXX  XXXX VIN # : XXXX c To Whom It May Concern : I am writing in regard to the above referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX  in the State of Texas on or about, XX/XX/XXXX and resold on or about XX/XX/XXXX by ( auction company ). Under the laws of the State of Texas and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and XXXX - XXXX remedies. Best Regards, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-16
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. (LA)

I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to XXXX XXXX, which according to consumer law that is illegal. XXXX XXXX have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization.

15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to inform you that I have recently discovered that my identity has been compromised, resulting in fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and my local police department. Attached, you will find copies of my FTC identity theft reports and my police report for your records. I have also mailed a copy of these documents to XXXX and XXXX. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Consumer complaint received 2024-08-06
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. (IL)

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the EXPERIAN. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (GA)

credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX Account Number- XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to abtain credit. it my understanding that the credit bureaus will investigate this account for me to ensure accuracy Please look into this matter for me thank you
Consumer complaint received 2024-07-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX Bank of America Customer Service Department XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Sir/Madam, I am writing this letter to request compensation for the inconveniences, time, and efforts that I have spent dealing with my account at Bank of America for the past XXXX years. In total, I estimate that I have dedicated approximately XXXX hours to resolving issues with my account. This has not only been a significant drain on my time and resources but has also caused immense stress and negatively impacted my health. 

The constant issues with my account have taken a toll on me both financially and emotionally. The stress and anxiety that I have experienced as a result of these problems have had a detrimental effect on my already compromised health. I firmly believe that the compensation I am requesting is fair and just, given the circumstances that I have been subjected to. 

In addition to the time and effort spent on resolving these issues, I am also facing the burden of an unpaid loan that now amounts to around {$16000.00}. This further adds to the financial strain that I am currently under due to the ongoing problems with my account. 

I kindly ask that you consider all that I have been through and the impact it has had on my life when assessing my request for compensation. I strongly believe that I am owed a fair amount for the hardships that I have endured as a result of the bank 's errors and negligence. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Thank you for your understanding and consideration. 

Sincerely, XXXX XXXX XXXX if u need any documents i will be happy to provide what ever it is I need.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-16
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. (TX)

I found a number of personal information mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with the FTC Regulation and refuse to fix this issues, this is a clear violation of my rights