davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to formally file a complaint against Experian Credit Bureau for their failure to adequately investigate a dispute I raised concerning my credit report, and their subsequent denial of my attempts to address this inaccurate reporting. I believe that Experian 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues : 1. Failure to Properly Investigate Dispute : I filed a dispute with Experian several times regarding the following account : Account info Account name U.S. DEPARTMENT OF EDUCATION Account number XXXX Account type Education Date opened XX/XX/XXXX I have never been late paying this account and this account has never been in collections. 

Despite my efforts to provide relevant information, Experian failed to conduct a thorough and proper investigation. 

2. Failure to Provide Verification Documents : In accordance with FCRA, upon disputing a particular debt, I have the right to request and receive documents that the credit bureau uses to verify said debt. I made this request in writing several times since XX/XX/XXXX, but as of XX/XX/XXXX, Experian has not provided these documents. 

XXXX. Denial of Continuation of Dispute Process : Despite the discrepancies in my report, Experian has denied my attempts to further dispute the inaccurate credit reporting. This has not only affected my credit score but also potentially limits my financial opportunities. 

Violations of Fair Credit Reporting Act : 1. Section 611 ( a ) ( 1 ) : This section mandates that upon the receipt of a dispute, the credit reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Given my experience, I believe Experian did not comply with this requirement. 

2. Section 611 ( a ) ( 2 ) ( A ) : Following a dispute, credit reporting agencies are required to provide notice of the results of the investigation to the consumer. I was not adequately informed of the specifics of their investigation or the reasons for their conclusions. 

3. Section 611 ( a ) ( 6 ) : This section emphasizes that a consumer has the right to add a statement to their file disputing the accuracy or completeness of the information. Experian 's denial of my continuous attempts to dispute violates this provision. 

4. Section 609 ( a ) ( 1 ) : This section asserts that if a consumer requests information on them held by a credit bureau, the bureau must disclose it. Experian 's failure to provide me with the requested verification documents contravenes this provision. 

I urge the Consumer Financial Protection Bureau to investigate these matters and ensure that Experian abides by the laws set forth by the FCRA. This is crucial not just for my personal interests, but to ensure the integrity of the credit reporting process for all consumers.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (LA)

I have contacted this company several times to get 3 fraud accounts that are due to identity theft blocked from my file and they havent done anything but continue to place the items under dispute. THIS IS MY LAST AND FINAL ATTEMPT TO GET THIS DONE WITHOUT GOING THROUGH THE COURTS AND SUEING FOR EMOTIONAL DISTRESS AND XXXX. They are continuing to break FCRA LAWS. I have attached all my personal documents along with an VALID AND COMPLETE FTC REPORT THAT LISTS ALL 3 accounts that needs to be processed within 4 business days. My COVER LETTER my IDENTIFICATION CARD, my SOCIAL SECURITY CARD AND MY FTC ARE ALL ATTACHED TO THIS COMPLIANT
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KS)

I've sent letters disputing the account listed below over 3 times. I have asked for validation showing that the account belongs to me. I have only received emails stated that the account is accurate but no proof is being showed to me at all. The time the account was created I was XXXX  and XXXX  at another duty station. There is no way the account belongs to me due to I already have 1 light company in my name and I haven't stayed at the address the account is linked to in over 7 years. I have sent in my military orders, and other document showing the credit bureaus that this isn't my account. And if you have proof that its mines please show me.
Consumer complaint received 2023-12-08
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: LEXISNEXIS (OH)

I am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I deposited XXXX checks into my business checking, prior to depositing these fund I had approx. XXXX in the account. I totally understood that there would be a hold on the deposited funds until XXXX. The following day I tried using my debit card for material to complete a job, the card was declined. Upon further research I realized all my funds were frozen and I had no access to any of my fund that was there prior to the said deposit made on XX/XX/XXXX. I've contacted Capital One on several occasion to clear up this matter only to be told that someone would be in contact with me. The funds deposited were from a client and was directed for payment to my sub-contractors as of todays date XX/XX/XXXX, I still haven't received any information requested from Capital One. I have h sub-contractors looking for there payment for work that was complete. XXXXXXXX XXXX  the financial institute where the checks were drawn from even tried reaching out to Capital One to verify checks and funds. Capital One actions has put a stop to the day to day operations of my business, along with fracturing my working relationship with long time sub-contractors by not releasing any information nor funds.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-07
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: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank suspended my account for an " account review ''. Customer service declines to provide me any information, or provide me any access to my funds. Telling me I'd get a letter. No letter and no contact. As of now the account is open and so far they've stolen {$510.00} that has been deposited into my account that they refuse to provide me access to.
Consumer complaint received 2023-12-07
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called XXXX Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about 200 points just because of 2 missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting 2 payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in 2019 and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with Experian, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TX)

On XX/XX/XXXX we canceled ALL of our insurance policies with XXXX XXXX. In XXXX it was brought to our attention that our policies with XXXX XXXX had not been canceled as we requested in XXXX. We had purchased a new homeowners insurance policy with XXXX bundled with our automobiles. In XXXX we had Strom damage to our home, we called XXXX to open a damage claim, XXXX informed us that we no longer had a policy with them due to not receive a renewal premium payment from Ocwen/PHH Mortgage Service Escrow department . We called PHH/Ocwen they informed us that XXXX XXXX was our insurance company. We asked them why did they pay XXXX without doing their due diligence, because we had not given them a cancellation letter nor were we informed that our homeowner insurance had changed. PHH/Ocwen told us that XXXX XXXX sent them a declaration for payment and they paid it. We are still having issue with XXXX to this current date. We were forced to hire an attorney to get the repair of our home done. We loss fund for attorney fees, bundling, paying a higher cost {$3000.00} more per year than we would have paid with XXXX.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

XX/XX/XXXX I deposited a cashiers check in my name of {$7000.00} into my checking account after a vehicle sale XX/XX/XXXX I had moved those funds to XXXX XXXX  to repay a debt XX/XX/XXXX I had been locked out of my accounts due to USAA deeming the check fraudulent XX/XX/XXXX I contact the issuing XXXX XXXX about the check being fraudulent and got confirmation that the check was a valid check for the full amount XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made calls to USAA to try and resolve situation even receiving confirmation letter from the XXXX XXXX branch XXXX that the check was valid USAA refused to accept letter and still is holding onto funds.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Arvest Bank has taken over my mortgage in XX/XX/XXXX and I was able to reduce my property taxes due to proposition 19 here in california. I received final notice that my property taxes have been almost cut in half in XX/XX/XXXX but have been unsuccessful in trying to get them to adjust my escrow account. First they told me that they would adjust it in XX/XX/XXXX, then I called in early XXXX to find out what day I can expect it to be modified, they told me it won't be until XX/XX/XXXX and that it wouldn't take effect until XX/XX/XXXX. They already owe me XXXX  of dollars due to over collecting on my escrow account even though they have copies of my current property tax rates. I have given up calling them and hope you can get them to reassess my escrow account soon.
Consumer complaint received 2023-12-02
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: TD BANK US HOLDING COMPANY (NY)

I am filing a formal complaint against TD Bank for their mishandling of a dispute related to a charge on my account. This dispute involves a transaction dated XX/XX/, for an amount of {$760.00}, charged by XXXX XXXX XXXX for a vehicle repair service that was never completed. 

Initially, TD Bank issued a credit to my account while they investigated the charge. However, they failed to conduct a proper investigation and prematurely reversed the credit. Upon contacting TD Bank, they acknowledged their error in not investigating the claim and incorrectly closing it. They apologized and reopened the claim, reissuing the credit and promising to follow up with the necessary form for me to submit video evidence supporting my claim. Despite this assurance, the form was never sent, and I was later informed that it was not dispatched because the claim had been closed in my favor. 

Today, I discovered that TD Bank had once again reversed the charge, despite the investigation still being incomplete and without any communication or resolution of the issue. This series of mismanagements by TD Bank has caused significant financial and personal distress. 

I am seeking a resolution in the form of a credit for the disputed amount and appropriate action from TD Bank for their failure to handle this dispute correctly and in accordance with the rights and protections I am entitled to as a cardholder. 

Thank you for your attention to this matter.
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

15 U.S. Code 1666b ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

capital one has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and capital one continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so capital one is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT
Consumer complaint received 2023-12-02
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. (IA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1600.00}.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX