davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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)

I sent this credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P. (AL)

On XX/XX/2023, Paramount Recovery added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all XXXX  credit bureaus.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 information is inaccurate. 


I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I am writing to file a formal complaint against Chase Bank due to the sudden closure of my account without any prior notice or valid explanation. As a longstanding customer with a commendable history of financial responsibility, I was surprised and distressed by this unexpected action. Despite numerous attempts to obtain clarification from the bank, I have not received any satisfactory explanation for the closure of my account. 

The sudden closure of my account has caused significant inconvenience and financial disruption. Without any explanation from Chase Bank, I have been unable to understand the reason behind this decision or take appropriate measures to resolve any potential issues. This abrupt action has not only impacted my personal finances but has also caused me considerable stress and frustration. 

I request your urgent intervention in this matter to ensure that I receive a clear and valid explanation from Chase Bank regarding the closure of my account. Additionally, I seek your assistance in ensuring that Chase Bank adheres to all relevant banking regulations and standards, providing customers with transparent communication and fair treatment. 

Enclosed with this letter, please find copies of all relevant documents related to my account with Chase Bank, including any correspondence that I have attempted to initiate with the bank regarding this matter. 

I am hopeful that with your assistance, I will be able to resolve this issue promptly and receive the necessary information to understand the reasons behind the sudden closure of my account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this concern.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to dispute certain information in my credit file that I believe to be incorrect. The presence of this inaccurate information is concerning and I request that it be investigated and corrected as required by the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered an account listed as " undesignated '' under ownership status. This designation is ambiguous and does not accurately reflect the true status of the account. Moreover, I affirm that this account does not belong to me. The FCRA mandates that credit reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Despite my previous attempts to have this matter corrected, the error persists. This continued reporting of incorrect information may constitute a violation of 15 U.S.C. 1681i, which requires agencies to correct or delete inaccurate or unverifiable information from their files.

I am formally requesting that [ Credit Reporting Agency Name ] conduct a comprehensive investigation into this matter and remove or correct the erroneous entry to reflect only accurate information on my credit report.

Please provide me with written confirmation of the investigation results and a corrected copy of my credit report upon resolution of this issue.
Consumer complaint received 2024-04-22
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. (MI)

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX On XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

A deliquent account was placed on my Experian credit report by XXXX. I do not know what this is for. It says it was sold to them by vivint. I am unaware of any outstanding balance or issues with vivint. I had a vivint account 5 years ago and the account was closed on XX/XX/18 and I have the documentation for this. I have received no bills or statements from anyone regarding vivint over the past 5 years. I have disputed this with Experian but they report it is valid but have not provided me any information as to why they feel it is valid. I have tried to contact XXXX and XXXX but they are unable to provide any information to show what this supposed debt is for.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation (NM)

Dear Sir/Madam, I had to choose wrong amount because ont he form it doesn't have a section for re-aging. 

I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection account that has been inaccurately re-aged and reported on my credit report. This deceptive practice is causing damage to my creditworthiness and financial stability, and I believe it is imperative that the CFPB investigates and rectifies this situation. 

The collection account in question pertains to 12 REGIONAL FINANCE COMPANY OF NE but is now in collection with XXXX XXXX XXXX. XXXX XXXX XXXX has inaccurately reported the date of the account as XX/XX/XXXX when the account with Regional Finance was back in XXXX and I believe that this collection account has been re-aged improperly, extending the reporting period beyond the legally allowable time frame. This not only violates my rights as a consumer but also presents a clear case of deceptive and unfair collection practices. 

I would like to provide some details about the situation : The original debt was incurred XX/XX/XXXX, and it should be removed from my credit report after seven years, as per the Fair Credit Reporting Act ( FCRA ) regulations. 

However, I have recently noticed that XXXX XXXX XXXX has updated the date of last activity on this account, making it appear as if the debt is more recent than it actually is. This re-aging has led to a prolonged negative impact on my credit score, making it difficult for me to access credit or obtain favorable terms on loans. 

I have directly disputing the accuracy of the information they have reported to the credit bureaus. Unfortunately, they have been uncooperative in addressing my concerns. 

Given the above circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX  and XXXX  XXXX for engaging in deceptive and unfair collection practices. I also request that the CFPB intervene to have this inaccurate and re-aged collection account removed from my credit report, as it is unjustly harming my financial standing. 

I understand the importance of the CFPB 's role in protecting consumers from unfair financial practices, and I trust that you will take this complaint seriously and act swiftly to rectify the situation. Please keep me updated on the progress of the investigation and any actions taken to resolve this matter. 

Thank you for your attention to this issue. I look forward to a prompt resolution and the restoration of my accurate credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit card or prepaid 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: Block, Inc. (LA)

On XX/XX/2023 XXXX XXXX got into my cash app account and took XXXX out my account without my consent and I have a locked passcode and she still got into my account
Consumer complaint received 2024-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (AR)

Paid on a XXXX XXXX XXXXXXXX for years, had full cover insurance all my life. I had direct insurance, and full coverage.XXXX XXXX XXXX my XXXX caught on fire and blew up on us. One was burned and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX will not pay for my car, now everything has ruined my life. Had renters insurance through XXXX XXXX, had it for years. My house flooded and lived in setting water for 8 months. Had to throw out my furniture, clothes and shoes, due to mold. They would not cover anything. Had statements from plumber and photos. No adjuster came to my home and even looked at damage, they went by pictures. Ive always had insurance, but when I need them, Im pushed to the side with no help. Its a law we have to have it, should be a law to take care of customers that have always had insurance
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION ()

On XX/XX/XXXX I called Capital One to inform them that I needed to process a charge back for XXXX XXXX XXXX XXXX  because I did not get to stay at the hotel due to a bug infestation in the room. The gentleman on the phone said I would receive a resolution within 30 days. I did not hear back from capital one until XXXX XXXX XXXX They denied my claim and said the hotel said they supplied a room to me and they needed further information to proceed. So on XX/XX/XXXX I sent them more information including the email correspondence where the hotel said they would reimburse me. Within 2 hours capital one declined my claim due to what they called insufficient evidence.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-11-01
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. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint to once again, dispute the fraudulent accounts and information off of my Credit File. I am writing to submit this formal complaint to the CFPB regarding the fraudulent account that appeared on my credit report. To my dismay, upon reviewing my credit report, I discovered an account that I did not authorize or open, which is a clear case of identity theft. I demand that you block the reporting of any information on my credit file that resulted from this fraudulent activity. The accounts and information in question are : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022. Let me make it abundantly clear that I did not open this accounts and or information or permit anyone else to do so on my behalf. It is imperative that this account be removed from my credit report as soon as possible.
Consumer complaint received 2023-12-21
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. (NY)

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.

has violated my rights. Or a 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 2024-01-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NH)

I opened a XXXXXXXX XXXX  credit card in XX/XX/XXXX. I was approved for {$10000.00} and at the time my credit was in the XXXX range. The first bill was due once the furniture shipped in XXXX of XXXX. The bill was paid and auto pay was set up. Months later my XXXX XXXXXXXX alerts me that my score has fell and when i looked into it, my XXXX  card was delinquent by months. i was able to pay online by the information stored for a one time payment. while auto pay is switched on it is never applied to my account. my wife emailed the company numerous times with no response. I finally called in XXXX and the person i spoke with told me that my banking info was incorrectly added and that it was now fixed. here we are in XXXX and i get another alert from XXXX XXXX telling me my score is now a XXXX i have been on the phone with customer service and keep getting excuses ranging from " since i returned and replaced two damaged pieces of furniture im not eligible for auto pay '' and " im locked out of autopay for 6 months '' or " my phone number and email are not listed on the account '' how would i possibly go into a store and not give any of this information? i have wasted hours or my time on this and my credit is now in the garbage. i have numerous late fees. i have lived my life being a responsible consumer and this company is ruining my life.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

In late XXXX, my brother XXXX received a letter from Wells Fargo that my deceased brother XXXX was entitled to a refund from Wells Fargo for deductions from his account for the Identity Theft Protection - Affinity product. A check for {$3000.00} payable to XXXX was enclosed. That has been distributed to his surviving relatives. 

There was also a letter addressed to my deceased XXXX, XXXX that she had been enrolled in the Identity Theft Program, and inquiring whether she had enrolled in it. 
After several phone calls to the Wells Fargo number, I was told a refund check would be sent to me in her name for {$1100.00} which will be distributed to her surviving children. 

I had another brother and a sister who were Wells Fargo customers in XXXX, XXXX. They are both deceased. I have called Wells Fargo at the numbers provided on the refunds to my brother and mother to see if my deceased brother and sister were entitled to a refund. I offered to provide Social Security numbers for my deceased brother and sister to see if they were entitled to a refund. Wells Fargo representatives said they could only search by addresses, and not by Social Security. When I gave possible addresses, they stated they could find nothing. They repeatedly told me they could not search by Social Security number, which was necessary for my brother and sister to open their accounts. 

We are at Wells Fargo 's mercy whether or not they owe my deceased brother and sister money for deductions from their accounts. My sister was in charge for my elderly mother and XXXX brother. If my mother had an account at Wells Fargo, my sister would have had XXXX also. The fact they can not ( or will not ) index by Social Security number or taxpayer ID number is ridiculous. 

Is the CFPB auditing this process? They should be able tell by Social Security number if there was an account for a deceased person, and whether Wells Fargo deducted money from their accounts for unwanted and unauthorized programs.
Consumer complaint received 2024-01-21
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. (KS)

My information was sold and bought illegally because i was a victim of the equifax data breach. I i want this items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Based on the information provided which is incorrect and not mine. Im unabke to get any type of credit card, loans or anything with mi credit.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. 

Proof of the completed form is attached to this complaint. 

I need confirmation that Nelnet has processed this form.