davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I submitted a letters to XXXX, XXXX, and Experian via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from XXXX, XXXX, and Experian that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to XXXX, XXXX, and Experian I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my XXXX, XXXX, and Experian credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.
Consumer complaint received 2023-12-01
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)

The cards was applied without my authoriation, the companies agreed ad closed the accounts. Transunion refuse toremove the inquries even though all was reported from myself and the companies at hand that it was fraud. Please remove all information connected to these fraud accounts. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX - XX/XX/22
Consumer complaint received 2024-04-25
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (MN)

Messerli & Kramer bought debt that I had under my name for {$500.00} from XXXX. It had fees added for a total of {$770.00} in XXXX. 

Now, nearly XXXX years later, they are harassing me claiming that I now owe them $ XXXX and trying to illegally garnish my wages. I am exempt from wage garnishments and also was disgusted to see them sending me notice today that they have turned a small, XXXX year old credit card debt into such a huge sum out of sheer greed. 

The company harasses XXXX  mothers like myself who are working hard to provide for their children and the last thing we need is constant abuse from these predators. Thank you for looking into this matter.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I am opting out of all ChexSystems, I never authorized for this company to access my information. I cease and desist for ChexSystems to use my information, reporting on my credit report at all. I do not contract and I do not consent to this company using my information at all, Upon receipt of this notice. ChexSystems opt out policies say they grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance ( uses of Personal Information otherwise allowed by the FCRA ).
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please Remove this account immediately off of my report. You are reporting inaccurate information which is a clear violation of the law. 15 usc 1681e ( b ) states- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates below I have attached my credit report and evidence of your inaccurate reporting.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (IL)

A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There is incorrect information on my report from XXXX XXXX. This has had a very serious affect on my life and has been extremely distressing for me and my family. My information was incorrectly reported shortly after I was laid off in the middle of the pandemic. Please remove and block.
Consumer complaint received 2023-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERICAN PACIFIC MORTGAGE (IL)

American Pacific Mortgage Company did not protect me under the Acts of FHA ( Fair Housing ), and ECOA ( Equal Credit Opportunity Act ) by relying on an appraisal that it knew or should have known to be discriminatory causing adverse impact. That precluded the application of my good credit to any housing opportunity and the stated objectives of the XXXX XXXX  that is signed into law for the benefit of myself and the greater community of XXXX, XXXXXXXX XXXX is XXXX in XXXX XXXX XXXX is rent supported by closed sale prices of $ XXXX per unit Existing renovated XXXX XXXX XXXX and " As is '' XXXX XXXX sqft are rent supported at {$2000.00} to {$2800.00} throughout XXXX and its XXXX XXXX in a XXXX XXXX mile radius. 

Which are all low income census track communities that are socially economically parallel. ( XXXX XXXX, XXXX XXXX, Washington XXXX, XXXX XXXX, XXXX XXXX ) There is no shortage of rental income comps to support the lower cost of construction at at $ XXXX per unit. ( total project cost $ XXXX/ FHA loan $ XXXX ) In essence the appraisal redlined my property at {$2000.00} a month ( XXXX XXXX XXXX ) when there is no shortage of XXXX XXXX units that are available above this amount. 

This would not be a problem if there were no comps available of sufficient value ( $ XXXX {$2800.00} ) to support the cost of new construction ( $ XXXX ), existing renovated construction and " As is '' ( well kept ) XXXX XXXX sqft units that have rent values that easily support the $ XXXX existing renovation cost. 

These are XXXX XXXX  boxes that are XXXX new condition XXXX multi unit properties that are all parallel, confirmed by closed sale over the last XXXX yrs at $ XXXX ( please see exhibit XXXX ) And therefore the rental comparisons are directly relative and should have been considered. 

Actions Taken : Multiple timely appraisal rebuttals since XX/XX/23 See supporting documents for in depth details
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America froze my account and closed it, but has not given me any of the XXXX XXXX  that were deposited in it from my direct deposit and bonus from work. They admit the money is there, and is somehow under investigation ( even though I had previously informed them of some oddities in my account and given them a link to a police report. ). 

It has been held since XX/XX/2023 and no one will do anything to help me. Ive since lost my car and am under eviction as a direct result of Bank of Americas actions. 

On top of this, they send me a monthly statement telling me how they took out their XXXX account fee talk about infuriating.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

1. I requested a couple off things and sent in a Payment coupon.

Because i didn't get any confirmation of received or accepted, i call in a recorded line with a person/employed of toyota. i ask if had received my documents i sent. I said i had sent a payment coupon for the total remaining balance / pay off / payment in full. I ask if he understood a payment coupon he said yes. I ask i was checking to make Sure i fill it out properly, I didn't sing it, i did put some ucc codes in and wrote the amount. 


2. toyota also updated their website and in the process took peoples or persons ' AutoPay out including mine. The Bank accounts ' numbers to witch the payment get pull from. imagine if i took off for 3 months ' for the holidays starting XXXXXXXX XXXX XXXX XXXX. and not pay attention to any emails or text because you now i have it all on AUTOPAY rite. not if it was obstruct. witch will create a lot of problems. to which toyota would be liable. To be a breach of contract
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (TN)

XX/XX/2020 I opened a Navy Federal Credit Union XXXX XXXX XXXX account. 

XX/XX/2020 XXXX XXXX placed multiple restrictions on my account. I tried to close my account & have a check sent to the address on file & NFCU denied this request. Stating that they are unable to close my account, due to security restrictions. So while they can freeze my account, I would appreciate it if they either unlocked my accounts, or just close them & send me the funds. Id prefer to just have my account unlocked though, so I can keep my NFCU account.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Experian I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then Experian has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

Mohela has failed to count the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX towards my payment counts for Public Student Loan Forgiveness. I have called and requested that my account be updated so many times that I have lost track. I have been promised that my payment acount would have been updated by XX/XX/XXXX, XX/XX/XXXX and this month. This has not happened. Mohela 's failure to update my payment counts has caused me not to receive loan forgiveness.
Consumer complaint received 2023-12-11
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. (GA)

Experian keeps reporting that a alledge debt keeps coming back verified which is incorrect. the reporting on the account is inaccurate the balance on the account is {$0.00} and the debt has been written off into a 1099 which Experian has not supplied me with yet as I keep sending in letters to accurately have this account removed from my credit report which is causing major damage and is stopping me to buy a home for me and my kids. 

So now I am demanding the following copies of the legal notices and proof of the commercially manned of the subject vehicle Account XXXX XXXX XXXX XXXX XXXX 1. The complete original alleged promissory not that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The calculation pf Surplus Or Deficiency letter 6 Any additional finance contracts including those related to insurance or finance products 7. Buyer 's guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note.

10. Provide 1099 from irs
Consumer complaint received 2024-06-13
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

Per the Family Educational Rights and Privacy Act as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal. Opting out of student loan reporting.
Consumer complaint received 2023-12-11
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. (GA)

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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion and XXXX XXXXXXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion, XXXX XXXX and the creditors reporting collections/Charge-Offs, other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved. i am opting out of my your reporting services.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

State of Alaska Department of Revenue Child Support Services Division XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-25
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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX  SERVICES Account # XXXX. In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (FL)

On XX/XX/23 at approx XXXX XXXX., I sent a message to Chime Bank XXXX asking that " XXXX XXXX '' be removed from my Credit Builder account. I received a message regarding that it had to be removed from both my debit and credit account. I asked again to be removed from Credit Builder account since I had the option of adding " Spot Me '' to the XXXX XXXX account 4 months ago. the next Chime XXXX rep to answer, at XXXX est., XXXX XXXX Took it upon herself to close my XXXX XXXX account stating that I had request it. I have had XXXX Supervisors at Chime read the messages PRIOR to XXXX est, and all of them stated that I DID NOT request to have my account closed. I called and there was a ticket no. XXXX, created and sent to investigations as to why my account was closed without request, permission etc. I received a message that because I had a negative balance my account will be reported to Credit Bureaus, thus reducing my XXXX XXXX. 
I have called several time between XX/XX/23 and XX/XX/23 to obtain the status of the investigations and the Chime reps are NOT helpful with providing any information. Beware that they have the ability to do anything to your account without your permission and will mess your scores up intentionally and COMMIT FRAUD!