davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (NJ)

Dear Sir/Madam, I am writing to file a formal complaint against Village Capital Investment LLC . Loan # XXXX. 
This is regarding a wrongful Credit Reporting of a late payment to the credit bureaus. In support of my claim, on XX/XX/XXXX, I reached out to the abovementioned company, and they indicated that they had been having on going issues with their mail and that the late fee was at no fault of my own. Call reference/confirmation # XXXX. I provided the company with a copy of the check # XXXX dated XX/XX/XXXX, date it was also mailed. During the call, the representative asked me to pay the mortgage from XXXX and stated that given their mail issues he would vacate the late fee. During that call, I paid XXXX 's mortgage, but the company did not hold their promise. The following month, they deliberately decided to sell the loan to a new lender, with the late fee, and falsely reported it to the credit bureau. This is a VA Loan and throughout our tenure as customers, we always made timely payments and maintained a good credit history.

Village Capital & Investment LLC is well aware of their mail issues as expressed by them numerous times during other inquiries and communication. 
Village Capital late payment report to the credit bureaus, has negatively impacted our credit score and creditworthiness. Village Capital mail issues prevented us from making the payment on time, despite our repeated attempts to do so. 
On XX/XX/XXXX, upon notifying Village Capital of the issue, they once again acknowledged the mail challenge they are having and promised to vacate the late payment. However, instead, they kept the late fee, reported it to the credit agencies, and sold the mortgage account to a new lender with a late fee that the new lender claims they can not vacate. I believe that the actions of Village Capital & Investment, LLC are in direct violation of the FCRA, which mandates that accurate reporting should be observed by creditors. By reporting an inaccurate late payment, Village Capital & Investment, LLC., has caused significant damage to our creditworthiness. This erroneous reporting has not only affected my ability to secure future loans or lines of credit but has also subjected me to undue stress and inconvenience. I kindly request you, Consumer Financial Protection Bureau, to thoroughly investigate this matter and take appropriate action against Village Capital & Investment , LLC. I believe that remediation such include the immediate removal of the late payment from my current loan and from my and my husband 's credit report accordingly.

I trust that the CFPB will conduct a fair and thorough investigation into this matter and take the necessary steps to rectify the damage caused by Village Capital & Investment, LLC., negligence.

Thank you for your attention to this matter. I look forward to a prompt resolution and favorable outcome.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited XXXX check and taken 45 days to even release certain funds at certain times all of a sudden they close my account when I had almost {$15000.00} in it and they never told me anything about it and they just take my money and I want my money back it's not right
Consumer complaint received 2022-10-28
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. (LA)

I HAVE FILED SEVERAL CFPB COMPLAINTS CONCERNING EXPERIAN VIOLATING MY CONSUMER RIGHTS AND THE FCRA. CFPB COMPLAINTS XXXX AND XXXX. I ADVISED EXPERIAN OF SEVERAL FCRA VIOLATIONS AND THEY REFUSED TO DELETE THE TWO ACCOUNTS. I ALSO FILED DISPUTES WITH XXXX AND XXXX CONCERNING THE SAME ACCOUNTS AND XXXX AND XXXX DELETED BOTH ACCOUNTS. 
Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. Experian clearly violated the FCRA and has failed to respond to my demand of monetary relief due to their violation of the FCRA. I ask that the CFPB enforce the FCRA and make Experian grant my original demand for monetary relief. I make this demand in accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These violations constitute a violation of The Consumer Protection Act. 

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant 15 U.S.C. 1681e ( b ) requires EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian is also in violation of a CFPB Supervisory Order. Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (TX)

LOAN DEPOT RAN MY CREDIT ON XX/XX/2021 REF NUMBER IS XXXX TRIED CALLING THIS COMPANY SEVERAL TIMES NO ANSWER XXXX
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TN)

I am submitting this Complaint to formally dispute the presence of unauthorized inquiries that are currently reporting on my credit file. I have reviewed my credit report and discovered the following inquiries that I did not authorize or have any knowledge of : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX I have conducted a thorough review of my personal records, and I can affirm that I did not initiate or provide consent for these inquiries. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation into these unauthorized inquiries and their removal from my credit file. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiry in question or delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. I kindly request that you initiate a thorough investigation into these inquiries and provide me with a written response regarding the outcome of your investigation.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MN)

I reported my debit card stolen approx XXXX on XX/XX/2018 over the phone with a TCF customer support agent. Later that evening, I was contacted via automated phone call by TCF fraud protection services, asking for confirmation on purchases and ATM withdrawals that I did not make. There were charges for XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX. As well as ATM transfers and withdrawals from both checking and savings accounts at two separate downtown ATMs. The following day I went into a branch location to figure out what happened. I was informed that the thief called and requested the card be re-activated ( pretending to be me ) and that the bank complied with this. It took going to a branch to file fraud reports four times throughout the week until everything was finally accounted for. Staff has been consistently in-comprehensive and the computer system has caused multiple problems, including ; the disappearance of the card in question, not being able to file a fraud claim until days after the offense, and obfuscating account notes. One claim has been refunded, but there are still five pending charge claims that have been rejected multiple times over the course of the last month on the basis that I " was aware that someone had access to my account/PIN and did not notify the bank in a timely manner to prevent the fraud '' I notified them before any fraud occurred, and then again nearly every day for weeks. The bank is at fault for re-opening the card, and my money should have been insured and reimbursed weeks ago. The investigation has not been transparent and they have made it exceedingly difficult to get straight answers or make any attempt at streamlining the process. The outstanding loss is {$2100.00} I have spoken with XXXX XXXX XXXX, Assistant Vice-President and branch manager, branch supervisors XXXX XXXX, and XXXX XXXX, multiple tellers and Customer service operators, Vice President and regional Manager XXXX XXXX, and most recently XXXX XXXX XXXX. I have filed each induvidual fraud claim, and filed appeals for each claim 3-4 times and provided a detailed narrative and financial breakdown of the offenses as well as filing a police report with the XXXX XXXX Precinct. Due to the egregious amount of time and effort to fix this problem on my own with no success, I have filed complaints with the XXXX, OCC, CFPB, Federal Reserve, and At tourney General of Minnesota.
Consumer complaint received 2023-01-04
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2017-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NC)

When filing my XXXX taxes my tax preparer included incorrect information for my refunds to be direct deposited. The information they listed on my taxes was routing number XXXX- assigned to TD Bank in XXXX ME. The account number is XXXX.
The Federal return was rejected by the bank as my information did not match this account however they accepted the State of NC deposit even though the information did not match. The deposit was made on XX/XX/XXXX and the trace number is # XXXX.
I, my tax preparer XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have all contacted this TD Bank numerous times and they refuse to reverse the deposit and send the monies back to the State of NC so they can issue it correctly to me.
Consumer complaint received 2018-12-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (NC)

XXXX XXXX  has informed me to contact the Servicer ( SLS ) and now I have been declined information from both the so called Servicer SLS so called owner XXXX XXXX. XXXX XXXX  stated SLS in fact is not affiliated with XXXX XXXX  in anyway ( per the 4 letter attached from XXXX XXXX  ). These statements from XXXX XXXX & SLS are misleading, deceptive and confusing. Per Servicer : ( SLS ) Specialized Loan Servicer is unable to comment on concerns regarding the servicing of the account with the prior  servicer ( s ) as we stated " they ( SLS ) are not a party to the transactions. '' Further, SLS is unable to comment on concerns regarding the origination of the account, the underwriting of the account, the clear chain of title and ownership, and the subsequent bill of sale of each mortgage assignment on my property deed. SLS is unable to release the lien on the account as balances remain at this time. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT
Consumer complaint received 2023-07-25
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. (IL)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MD)

XXXX XXXX  XXXX XXXX maybe linked to XXXX XXXX XXXX, however, this supposed company is possibly an extortion scheme posing as a collection agency claiming to be working with Discover Inc. credit card company. XXXX XXXX  XXXX XXXX ( or XXXX XXXX   XXXX ) has attempted to steal or have stolen large sums of money from my bank account. Sensitive user information has been compromised. According to their online reviews, apparently there's been countless victims prone to this attack from XXXX XXXX  XXXX. I have not received any legal documentations from either Discover Incorporate Credit Card Company nor XXXX XXXX  XXXX. The incident occurred XX/XX/2018 ; amount in question is {$1500.00}. The collection agency request that I provide a personal budget information in order to have bank account unfrozen ( ransomware attack ).
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is charging me exsessive overdraft fees. I have been charged with XXXX overdraft fees that it was coused by a mistake of XXXX charging for the first time on this account my XXXX   member ship. XXXX has agreed to return the money but Wells Fargo wont return the funds of the overdraft fees. This is not fair and I have never signed up for this type of services.
Consumer complaint received 2023-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (FL)

My wallet was stolen back in XX/XX/2021 that possessed my social security card, my iD, & XXXX $ cash I go to apply for credit but have a negative inquiry on my credit balance of XXXX $ I believe. I HONESTLY DONT FEEL like I have to pay for something I didnt go do. I had to dispute cars that was on my ceredit as well & I dont even own a vehicle I had to dispute addresses I never elven stayed at as a result THIS MEDICAL DEBT IS REFLECTING ON MY CREDIT & Im not able to take out any kind of loan cause creditors do small inquiries to see if they should lend to me
Consumer complaint received 2023-06-06
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. (NJ)

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 2023-04-29
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

I sent a letter on XX/XX/2023 demanding that Ally bank remove inaccurate information that is being reported by them. I have not heard back at all. I sent them the highlighted portion where the errors are but have not heard back. Also ally bank tried to pull a fast one on me thinking i was born yesterday. sell attached documents for relevance as ally reported inaccurate information to XXXX. Please help. I was also not told that i can dispute this account with ally bank they try to give me the runaround.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my XXXX  time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am XXXX FDCPA Ive filed a civil suit against this XXXX XXXX and XXXX XXXX for this XXXX XXXX account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immeidately
Consumer complaint received 2023-07-25
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items 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 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 2023-07-25
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: LCI Acquisition Inc. (MI)

I have previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2018-12-07
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. (MN)

I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Experian and it's still not resolved. This fraud items are severely impacting my life and I can't get a apartment rental or car rental and my car insurance premiums is high as well and they all tell me it's because of credit report and what is causing this issue is fraud account and inquiries. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF as well as XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX I did not authorize or open this two accounts above and have in several letters provided Experian with affidavit and police report and have not received a response. This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 


Lastly their is an inaccurate late payment reporting on XXXX XXXX XXXX  - XXXX opened XX/XX/XXXX account, I did contact XXXX XXXX and they said they sent an update to the credit bureaus so this 2 late reporting should be removed.