davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LATE PAYMENTS Part XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my Payment history and or delete all late payments from the below account/s transactions experiences between the consumer and the person making the report A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

[ XXXX XXXX XXXX XXXX XXXX Account # XXXX ] Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 16XXXX ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly. 

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing t

o : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.
2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I made my deposit for my XXXX check from the US Treasury in the amount of XXXX on XX/XX/XXXX at XXXX XXXX  at XXXX XXXX XXXX in XXXX XXXX. There is a hold placed on the deposit once again until XX/XX/XXXX. I called and got a call back from the bank to discuss the issue the man that called said there was nothing he could do. He was not able to provide me a number to their regulatory department. My account meets none of the criteria for this type of hold.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

My federal student loans were transferred to Mohela from XXXX. I uploaded a PSLF form on XX/XX/XXXX to update my employment and payment tracker. After months of the status being stuck in " processing '' the form was marked as " Duplicate form '' and cancelled. 
The PSLF form was not a duplicate, and those payment periods still incorrectly say employment not certified. 
I wrote to Mohela on XX/XX/XXXX, and received a response indicating it was an error, the form would be processed again, and the processing time would be another 90 days. 
Once again, the PSLF form was marked as " processing '' ; after the 90 days were almost elapsed, the form was marked as cancelled, again, with no explanation.

I received no communication about this, and only noticed by logging into my account and checking the status. I wrote to them again asking for an explanation of the repeat mistake. I suspect forms are just being cancelled and then resubmitted, to restart the 90-day processing time for the agency.

Correspondence and screenshot attached.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I can't log into my account due to an error on the website. 
When I called in they said this is due to a transfer that resulting in another freeze on my account. Last time this happened with another transfer it took roughly 6 months of nonstop calling for a resolution. I spoke to a branch manager and many other managers regarding the same issue that seems to be repeating itself at this bank. There is no reason why I can't access my funds or transfer money into this bank. I have done nothing wrong and there is no reason why they would deny my transfer as it is already a verified and active account linked to my online banking.
Consumer complaint received 2023-12-26
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly.

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-11-09
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 am writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed
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. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  NJ XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person know
s or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian XXXX times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a XXXX XXXXddress and I live in XXXX XXXX.
Consumer complaint received 2024-04-23
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-12-26
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)

After reviewing my credit report, I noticed I have 4 late payments being reported by XXXX XXXX XXXX I notice the late payment was reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during COVID 19, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-04-23
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2023-09-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc. (FL)

My loan was transferred to Essex Mortgage shortly after we closed on our home. I have been trying to contact XXXX to get information on my mortgage loan and their phone number is a joke. Every time I call, their auto receptionist asks me of I want to wait on hold or request a callback. Neither option yields any results. When I select the option to wait on hold, I am transferred to a survey to asks about my experience with the rep I just spoke with. The only issue is I never get a chance to speak to a rep. When I select the option to get a callback, the callback never comes. I need answers on my mortage loan and the servicer is no where to be found. This is extremely unprofessional and I don't like having my home in their hands.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

6 days ago on XX/XX/2023, I was attempting to transfer money from my CashApp Account to my XXXX bank account. When I entered the letters XXXX into my phone, the icon of my XXXX Bank showed up. I clicked it and entered {$1200.00} to transfer to that addressXXXX XXXX account. A short period later, I received a message stating 'Failed Attempt/retry ''. I clicked that, thinking that there was an error in my transfer request. Then I called my XXXX bank to see if the funds were received, and, of course, those funds were not only received but were also not even pending. So, I called Cash App immediately to inform them of the issue and see if the transactions could be reversed. They talked me through the procedure but said that it was up to the payee/scammer to refund those payments that were made. I gave Cash App all of the information regarding the 2 transactions, and they said that there was nothing else that they could do at that time. I called them today, nearly 24 hours later to check the status of the scam report, but they again said that there is nothing that they can do. This scammer is still active on the Cash App account because he denied my refund request. I have screen shoots of all activity if/when needed. Thank you, XXXX XXXX ( XXXX ) XXXX # deaneiden on Cash App. The 'business'/person that received and scammed me of the money is CashApp account XXXX XXXX And he uses the XXXX Logo on his profile.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (IL)

On XX/XX/2023, I mailed a Certified Debt Validation Letter to Consumer Adjustment Company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Consumer Adjustment Company 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Consumer Adjustment Company . After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Consumer complaint received 2023-12-26
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)

Hi, I am XXXX XXXX XXXX I checked my Transunion Report back in XX/XX/2023 and I had a collections from XXXX XXXX, a business I have never engaged with. I sent XXXX XXXX  a validation of the alleged debt request XX/XX/2023 and within XXXX week of receiving my green return receipt I seen that XXXX XXXX  was removed from my report. I have also sent XXXX XXXX an Affadavit of Facts and an Invoice for them to pay dated XX/XX/2023. Tracking numbers for all : XXXX, XXXX, and XXXX.