davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Date of Original Dispute XX/XX/22 advising that I HAVE NOT RECEIVED VALADATION NOTIFATION BY MAIL OR ELECTRONIC PRIOR TO REPORTING TO MY CONSUMER XXXX REPORT FOR PORTFOLIO RECOVERY ASSOCIATES. I NEVER AGREED OR SIGNED ANY CONTRACTS AGREEING TO DOING BUSINESS WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE PROVIDE THE ORIGINAL SIGNED CONTRACT. PLEASE PROVIDE CONFIRMED PROOF OF ME RECEIVING THE VALIDATION NOTIFICATION ( I NEVER RECEIVED OR SIGNED OR CONFIRMED ) PER MY CREDIT REPORT THE UNAUTORIZED BALANCE IS LISTED AS {$450.00}. 
I DO NOT AGREE WITH THE COMPANY 'S RESPONSE BECAUSE I NEVER RECEIVED VALADATION NOTIFICATION OR SIGNED A CONTRACT WITH PORTFOLIO RECOVERY ASSOCIATES AND THEY ARE IN VIOLATION OF MY RIGHTS UNDER THE FDCPA LAWS
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MO)

My bank closed my account with no notice and stated I wasnt elegible for a refund. When I asked why they said I After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the No other reason or explanation has been given. I called and spent 4 hours on the phone and was not able to receive a reason or assistance obtaining my account access or funds.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXXXXXX XXXX and capital one both are reporting that i have had an account with them in the past. both companies report i have late payments and a bad history with them. For the record i have never had a credit card with either company.
Consumer complaint received 2022-11-26
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. (NY)

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

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 

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 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FirstPoint Collection Resources (CA)

First point. Reached out to me about a week and half ago. I am still waiting on them to provide me proof. That I owe them XXXX XXXX and XXXX . They provided me with a signature pdf. But unfortunately I havent received anything as far as where I owe them that amount listed.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (MD)

We have our mortgage with XXXX. They were amazing during the loan application process, but their payment and billing management is terrible and detrimental to our finances. We closed on our house in XX/XX/XXXX. Sometime a few months later we realized that, despite on-time ( and even early ) payments, our online was consistently showing " past due. '' We had to call several times to get things figured out. Finally, we found a helpful individual ( XXXX, XXXX ) who said he knew the issue and would walk the relevant department through fixing it. He even created a case number ( XXXX ) for us so that we did not have to re-explain the issue every time we called. He explained what happened : Our XX/XX/XXXX, payment was applied to XXXX when it should have been used to XXXX. Our XX/XX/XXXX, revenue was devoted to XXXX and should have been applied to XXXX. Soon after talking to XXXX, this particular issue was fixed ; however, I was not monitoring my credit very much back then. In XXXX at some point, I started to check my credit reports with the agencies. I noticed that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments were listed as XXXX/XXXX days past due. I disputed this with all of the credit reporting agencies. This resulted in an update to my credit report that listed those months as paid on time but added a new ( and inaccurate ) late payment ( XXXX ). I can't remember the details, but we were trying to refinance the house with XXXX in XXXX XXXX, and I brought up the inaccuracy with the loan agent. He was able to get it corrected in about a week. A few months later, I noticed a new inaccuracy ; this time, XX/XX/XXXX was listed as late. We have since then been trying to dispute this with the credit agencies, and Axos keeps verifying the accuracy. We have called and emailed Axos repeatedly to no avail. I typically get confirmation on each phone call that the account has no late payments. I am told to email customer support or that the agent will contact the relevant department and that the issue should be fixed within the week. And then it never gets fixed. Today, I got the experience dispute results back, for the 3rd time, saying that Axos verified the late payment as accurate. I immediately Axos and talked to an agent. She confirmed that there were no late payments in our account and that she saw that we had been calling/emailing/requesting investigation and rectification for over a month. She said she would note this in our files and contact the relevant department to get this fixed within 48 hours. Regardless of if this gets fixed, at this point, our credit has been essentially detrimentally impacted for the last 2.5 years. This has important implications for every aspect of financial life ( insurance rates, car loans, refinancing options, etc. ). I am also concerned that they may not have accurately assessed late fees and interest. I can't tell for sure, and XXXX checked all of this in XXXX. I am including details and evidence in a PowerPoint for your reference.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (PA)

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 2023-09-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (GA)

Dear CFPB team, I am writing to express my complaint and dissatisfaction regarding Marcus by Goldman Sachs Savings Account Service. On XX/XX/XXXX, they locked my savings account and asked me provide an affidavit, I did go to an XXXX for the notary and sent back the affidavit to them, but they never let me know that they never receive my letter and didn't ask me to resend one. On XX/XX/XXXX, they forcibly closed my savings account. I called them for more information as I still have about {$25000.00} in that account, and I asked them send back the money to my original bank, XXXX XXXX  XXXX, account ending in XXXX, they initially claimed that they would transfer the balance within 1-3 business days. However, it has now been over 10 business days, and I have not received any refund. I have attempted to contact Goldman Sachs 's customer service multiple times, but unfortunately, I have not received any clear responses regarding my issue. No matter how many times I call, no one is willing to address or provide a detailed explanation, and some even threatened me that I already lost my money because my account is closed, if my XXXX XXXX XXXX account can not receive it, the money can't be returned to the closed Marcus account, and then I will just lose the money, which has left me feeling extremely disappointed and confused. 

As a customer of Goldman Sachs Bank, I have placed trust and reliance in their services, but this recent experience has left me highly dissatisfied. I hope that you can assist me in resolving this matter and ensure the safe return of my funds to my XXXX XXXX XXXXXXXX account. 

I can provide any other information if you need, such as my driver 's license, passport, etc. 

Once again, thank you and hope you can help me with this case! 

Thank you!. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2023-09-30
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. (VA)

On or about XX/XX/2023. I attempted to use my credit for household purposes and was declined. When I audited my credit report after the embarrassing moment, I found the following transactions that where not made or initiated by me. I never gave written consent to the following companies XXXX, XXXX, and Equifax to furnish this information on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've included a copy of a Identity Theft Report, screenshots of the accounts reporting on my consumer report, drivers license for identification and mortgage statement for proof of address.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted TransUnion to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX XXXX and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also TransUnion keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Consumer complaint received 2023-11-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OH)

Im receiving mutiplty callsXX/XX/XXXX-XX/XX/XXXX throughout the week daily One Main Financial regarding a personal loan that I have missed payments on regarding financial hardships that their away of is harassment at this point.Please close account
Consumer complaint received 2024-10-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX reported information about me to all three credit bureaus with out my permission. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

On the morning of XX/XX/2023, I was at work and I received a text at around XXXXXXXX XXXX  from Chase Bank stating that I had added a person by the name of XXXX to my XXXX recipients. I did not add that myself. Somehow somebody either hacked my email or my cell phone and added themselves. I immediately logged into my online banking and noticed that my account was being deducted in small transactions. After noticing that the transactions were not stopping I attempted to call Chase and freeze my account, I was on hold, so I hopped into my work van and raced to my local branch, luckily it was close. I arrived at the Chase Bank and immediately flagged down a banker and had my account Frozen. Not before there was {$3000.00} stolen from my account. If I had not raced the bank I believe that my entire account would have been completely drained. There were a total of 21 transactions ranging from between XXXX and {$190.00} that we're all deducted from my XXXX in a matter of less than 30 minutes, none of which I made myself. After filing a fraud claim with Chase, my claim was denied, Chase stated that all the transactions came from my device which is absolutely not true.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-12-07
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. (PA)

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. 

Account XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681Section 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 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint in reference to 15 US 1692g. Concerning accounts that are reporting on my credit reports with all three majour credit bureaus. With Trans Union , LLC, XXXX, and XXXX XXXX XXXX XXXX XXXX. 

These accounts are violating my federal constitutional rights under 15 USC 1681.And the FDCPA, in violalion of my rights under federal law.I am disputing this debt pursuant to the Fair Debt Collection Practices Act, 1692g. 

Stating of claim of debt, is being disputed, in accordance of validation of debt. Providing validation with competent evidence of Proper Assignment contract, and alone with a Letter of the Purchase Agreement letter. 

My rights are being violated pursuant to the Fair Credit Reporting Act 15 USC 1681, Violation of the Fair Debt Collection Practices Act 15 USC 1692g See detailed copy of my dispute in letter sent to the Collection Agency of federal statues violated in the attempted collection of the debt. I request that the accounts be deleted from my credit files with all three major credit bureaus immdeiately.
Consumer complaint received 2024-10-18
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.