davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates.
Consumer complaint received 2024-04-18
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. (MO)

I am writing in response to your recent communication regarding my submitted CFPB Complaint concerning unauthorized hard inquiries appearing on my credit report. 

I am concerned about the thoroughness of your review process, as my original complaint ( ID : XXXX ) included all necessary documents such as my identification, full name, and proof of address. Despite this, it seems there may have been oversights in the examination of these details, prompting me to reiterate them within this letter for your reference. Enclosed are the details and documents that you are asking for.
Consumer complaint received 2023-12-27
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. (OH)

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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MPOWER Financing, Public Benefit Corporation (CO)

I contract a student loan from MPower Financing and the loan repayment is managed by a third party called XXXX XXXX. My loan amount is {$57000.00}. including fees. I started making interest payments on the loan on XXXX XX/XX/year>. I have made four equal interest payments of {$310.00} till XXXX XX/XX/year>. I started making $ XXXX monthly payments on my loan interest from XXXX XXXX till date. 

The issue that arose was that, I have submitted my social security number to XXXX XXXX for my interest payments to reflect on my credit report. Still, as of now, I have not seen the interest I am paying on my student loan from MPower financing reflected on my credit score and credit report. 

I complained to XXXX XXXX and they told me they had submitted my credit details and payment history to the Credit Bureau for my credit score and credit report to be updated but none of that has been reflected on my credit report. XXXX XXXX then direct me to reach out to the department of Credit Bureau for assistance on my issue. 

I will be glad for your kind assistant in resolving this issue. Thanks for your corporation in advance. 

Thank you. 

XXXX.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I ' a victim of a Scam. 
The scammers withdrew money from my Chase and XXXX XXXX  account on XX/XX/XXXX. 
On this day, I received an email that pretended to be from the XXXX company. Which warned me that they were trying to charge {$530.00} from my credit card. I confirmed that this was not my payment and called back on the phone number provided. 
They introduced themselves to me as XXXX, gave me my details and the number of the credit card from which they tried to withdraw money. They said they would cancel my payment. But since scammers have connected to my computer, they should close my account and open a new one. And while they're checking security, I shouldn't go near the computer. 
I called XXXX XXXX, but the scammers called me back and said that I did not need to call XXXX XXXX, since they were already handling my case. After a while they called back and asked for my CC number and the full number of the debit card to which to transfer the refunded money. For reliability, they named the last XXXX digits of all my cards linked to XXXX XXXX and my personal data. I said that I could not give this information. I turned on the computer, it didnt work. While I was trying to open the computer, they called me many times and suddenly I received a message from XXXX that I bought something. I have not received any messages from banks. Although I have alerts and I always received them. 
I immediately called the banks, and it turned out that {$7200.00} was withdrawn from Chase Bank from a checking account, {$7400.00} from a savings account, {$1700.00} was transferred from a Flex credit card. {$500.00} was transferred from XXXX Bank via XXXX. 
The bank immediately closed the accounts, and we announced an investigation. I was at the bank branch, and we opened the Claim. 
Chase closed my stamp and refused a refund. In a rather rude manner, I was informed that the bank does not bear the slightest responsibility for the safety of the invested funds. And protecting my funds is only my personal business. 
They advised me to contact the police.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

loan was started, documents were sent, appraisal fee of {$590.00} overnighted at my expense, I realized they did NOT have my last name spelled correctly on the documents I was told to sogn and return- which made no sense as these documents would have be void without the correct information on them to start with. The originator XXXX XXXX said send them back and she would change the name in the system right away since I was already locked in for my rate from the date app was started. Went into the branch to establish a new account and worked with XXXX to do so and confirmed the spelling error and was again assured this was being changed as we spoke on XX/XX/year>? or there about when the account was opened. Come to find out this originator was leaving the company and NEVER followed through with the name change therefore the NEW orginator XXXX did not start working on the offer until after XX/XX/XXXX and credit score had changed and now I am told I no longer qualify for the loan " that was locked in '' on the XXXX date even though this was the bank error. Was told in 3-5 business days I would have the appraisal refund back and I STILL DO NOT HAVE MY REFUND. WHAT A JOKE THIS PLACE IS - NO SENSE OF URGENCY NO ONE CARES ABOUT THEIR ERRORS AND COULD HAVE CARED LESS THAT THEY XXXX XXXX OUT OF A LOAN BECAUSE NOONE DID THEIR JOB CORRECTLY
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (ID)

I opened an account to purchase an item with XXXX XXXX. It was a promotional, same as cash, offer. The rate on the card was 29.99 %. It was tax time so I was preoccupied with working on my tax returns. I was late on a payment. I didn't realize they were going to bill me {$990.00} interest immediately. I should have looked at the statements and dealt with this months ago, but my business and life keeps me busy so I didn't think about it. I just schedule payments on their website so I wouldn't be late again. After a good few months of business, less than a year since I purchased the item, I decided to pay off the balance. I started looking more closely at the statements and saw a {$990.00} charge in XX/XX/year>. I tried contacting the bank to understand what this charge was about. They just said, " Interest was charged on the entire sale amount as the promotion had expired and wasn't paid in full. '' This wasn't explained fully and seems unscrupulous. On top of that, they charged me monthly interest at almost 30 %, in addition to the initial {$990.00} interest charge. How can they bill for interest over time when that time hasn't elapsed?
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Subject : Follow-Up on Delayed Credit for Transaction Dear Bank of America Customer Service XXXX XXXX hope this message finds you well. I am writing to bring to your attention an issue regarding a recent transaction on my Bank of America credit card. On [ XX/XX/year> ], I made a payment/transaction with the expectation that the credited amount would be reflected in my account by [ XX/XX/year> ], as per the timeline communicated to me. 

However, I have checked my account multiple times since then and have not seen the credited amount reflected as promised. This delay is causing inconvenience, and I would appreciate your assistance in resolving this matter promptly. 

For your reference, the details of the transaction are as follows : - Transaction Date : [ XX/XX/year> ] - Amount : [ XXXX $ ( USD ) ] - Amount In INR : [ XXXX ] INR - Reference Number/Transaction ID : [ XXXX ] Could you please investigate this issue and provide me with an update on when I can expect the credited amount to appear in my account? Additionally, if there are any further details or documentation required from my end to expedite this process, please let me know, and I will be happy to provide them promptly. 

I value the services provided by Bank of America and have been a satisfied customer. Your attention to this matter would be greatly appreciated. If possible, please confirm receipt of this email and provide a timeline for when I can expect a resolution. 

Thank you for your prompt attention to this matter. I look forward to your earliest response. 

Best regards, [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ]
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian closed this complaint with another ridiculous explanation without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

I called Midland Credit Management to verify and settle a credit card debt. I spoke with an agent named XXXX and verified my name and DOB, I told him I wanted to dispute and verify the debt as I did not distinctly remember the credit line. I asked him for his companies address so that I may send written notification requesting pertinent details of the account as required under the FDCPA. XXXX was very argumentative, demeaning, rude and would not transfer the call to someone else and would nor provide the companies address despite repeated requests from me to provide the address or transfer the call. I asked to speak with a manger and was put on hold but not connected. I called them back and spoke with a different agent who was very helpful and provided me with the company 's website which had all of the relevant documents necessary for me to validate the debt. I was connected with the XXXX, XXXX XXXX, with whom I was able to get the address for the company and settle the debt.

15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) outlines the requirements for debt collectors regarding initial communications with consumers. Among other information, it requires that debt collectors provide their address. The documents in question were sent to an old address and I never received them. A reasonable person would understand that under the spirit of the law, a debt collector would need to provide their address if requested by the consumer. As the Agent XXXX violated the FDCPA, I believe an investigation into the conduct of Midland Credit Management ( MCM ) is warranted to protect the rights of any future consumers who deal with MCM and to allow them to exercise their rights to dispute or validate their debt without facing unnecessary harassment.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (AL)

There is company called XXXX  XXXX. They use background and contact information on family members to threaten debt collection, false imprisonment. They use social media like XXXX to gather information and threat unaware family members.
Consumer complaint received 2024-04-18
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 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (PA)

Please remove these inquiries. I have no knowledge of them, and the company did not seek my consent for them.Please eliminate these inquiries. I am unaware of them, and the company undertook them without my permission.Kindly delete these inquiries. They were conducted without my knowledge or consent by the company.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Jacobs, Marsh LLC (CA)

Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-03-28
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: CLGF Holdco 1, LLC (CA)

I want these inquiries to be deleted because I did not offer these companies to run my credit this is fraudulent. I have attached a report that contains the name of the companies that were not authorized to run my credit.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Purchased vehicle on XX/XX/XXXX with " Permission to Borrow Letter '' from Bankruptcy Trustee for {$15000.00} XXXX. The vehicle was priced at around XXXX but somehow ended up at $ XXXX with taxes and fees. Motor went out XXXX. XXXX  XXXX warranty added into payments paid for new motor. Motor ( injectors ) went out early XXXX. Vehicle is XXXX and i need to return it to company and settle my losses without having to pay {$370.00} ( mostly interest ) per month until XXXX!!!!
Consumer complaint received 2023-05-29
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. (AL)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they 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 suppose to modify or delete accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear FCRA Consumer Assistance, I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the account under the name XXXX with account number XXXX. Additionally, I am disputing a duplicate account under the name XXXX which is also reporting the same account number ( XXXX ). The current reporting by the FCRA is in violation of the Fair Credit Reporting Act ( FCRA ), and I kindly request a reinvestigation of these discrepancies. 
I have carefully reviewed my credit reports from TransUnion and XXXX, and I have identified several inaccuracies that are negatively impacting my creditworthiness. The discrepancies are as follows : Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Duplicate XX/XX/XXXX Date Opened : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX no date reported Balance Owed : TransUnion : {$710.00} XXXX : {$1000.00} XXXX Duplicate {$710.00} High Balance : TransUnion : {$710.00} XXXX : {$720.00} XXXX Duplicate {$710.00} Payment Status : TransUnion : Reporting as Collection Charge Off XXXX : Reporting as Late XXXX  Days Last Payment Date : TransUnion : not Reporting XXXX : XX/XX/XXXX XXXX Duplicate : XX/XX/XXXX These inaccuracies not only misrepresent the true status of the account but also violate the FCRA guidelines. The discrepancies in the reported information have had a detrimental impact on my good name, character, and my ability to qualify for new credit. 

I believe that the reporting by the FCRA is inaccurate and in violation of the Fair Credit Reporting Act. 
I am formally requesting a reinvestigation into the aforementioned discrepancies and, if found to be inaccurate, the immediate deletion of the inaccurate information from my credit reports. Furthermore, I question the reliability of the furnisher of this information, as the discrepancies are substantial and affect my creditworthiness unfairly. 
I appreciate your prompt attention to this matter and request that you inform me of the results of the reinvestigation at your earliest convenience. Thank you for your assistance in rectifying these inaccuracies and ensuring the fair and accurate reporting of my credit history. 
Sincerely,