davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
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. (TX)

I 've contacted Experian,  XXXX  and  XXXX  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last stree t before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.
Consumer complaint received 2024-03-05
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 a check in the amount of {$9000.00} was counter deposited to our business checking account with bank of America. Check issuer is XXXX XXXX and the check number was XXXX. At the time the issuer bank suspected the signature and did not clear the funds and the check was returned. The account owner confronted his bank and the apologized and XXXX XXXX issued another check for the same amount which I deposited through bank of America on line banking. A few days later I noticed that my access to my on line banking was restricted and could not see my account or make transactions. After calling Bank of America and going from one department to the other which without exaggeration took XXXX minutes they said the check deposited was a counterfeit ( which was not ). I kept asking if the check was counterfeit the issuing bank would not have cleared the funds but they kept on saying it is being investigated. Another call to them later revealed that they are in the process of closing my business account! and other than the bogus claim of deposited counterfeit check they did not give me any other explanation. When I aske d for my fund in the account they said after the account closing is finalized they will send me a cashier check and now about a month after the awful disaster which put my company 's reputation in question I received a letter saying my account has been closed and the funds before the {$9000.00} deposit is being send to me but the remainder is frozen pending investigation!!! The issuing bank is baffled since they had no problem with the check and released the funds. The check issuer is going crazy since he is out of {$9000.00} and neither him nor us have the funds and Bank of America is none responsive as to when they will release the funds they are XXXX ; XXXX illegally. I still have no clue why they claim the check was counterfeit sinkcethe issuing bank never claimed it to be and released the funds to Bank Of America,
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2022 I opened a small business credit card that offer a {$300.00} promotional credit after 60 days of spending {$3000.00}. I fulfilled the requirements and waited an additional 30 days for my credit. After two calls over the past few months and requesting Bank of America to investigate my issue I finally spoke with XXXX XXXX XXXX of Small Business Department in California today XXXX XXXX. I was told that this does not apply to unsecured cards but this was never detailed in the promotion. This along with constant erroneous charged fees ( {$12.00} ) on my personal accounts with Bank of America has promoted me to reach out today. I don't understand how a bank is able to operate with consumers affairs so carelessly and not be held accountable.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

The company needs to fix their report on my credit score. I did everything on my end I was supposed to that satisfied the settlement so why was another account opened on their behalf? 
The company needs to send the correct information to the credit union and have the wrong information removed.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home
Consumer complaint received 2024-11-19
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. (WA)

To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under the FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written communication that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, I am writing to file a formal complaint regarding Transunions handling of disputes related to an inaccurate voluntary repossession account on my credit report. Despite previous disputes, Transunion has failed to address the discrepancies I have raised and continues to report incorrect information.

Issue Details : 1.Account Information : Original Creditor/Lender : XXXX Account Number : XXXX Date of Dispute : XX/XX/year>, and XX/XX/year> 2.Nature of the Discrepancy : Transunion is reporting an inaccurate balance on this account. The reported balance of {$7000.00} does not match the correct balance of {$7100.00}.

I have provided supporting documentation in my previous disputes to demonstrate the correct balance, yet Transunion claims the account has been verified without addressing the discrepancy.

3.Repeated Disputes Without Resolution : I have disputed this information twice through TransUnions dispute process. Each time, the response has been that the information is verified and accurate, but no explanation or evidence has been provided to substantiate this.

The reporting remains inaccurate, which negatively impacts my creditworthiness and financial opportunities.

Request for Resolution : I request the following actions : 1. That Transunion conducts a thorough investigation into this account and provides evidence from the original creditor verifying the balance they claim is correct.

2. That the inaccurate information is deleted entirely from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ) if it can not be verified.

3. That I am provided with detailed documentation of how Transunion reached its conclusion regarding the dispute.

Supporting Documentation * Copies of my previous dispute submissions to TransUnion.

* Any statements, receipts, or correspondence demonstrating the correct balance of the account.

Impact of the Inaccuracy : This inaccurate reporting has caused significant stress and financial hardship. It has resulted in denial or unreasonable terms for a car loan, limiting my ability to secure reliable transportation.

I trust that the CFPB will investigate this matter and ensure Transunion upholds its obligation under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and verifiable information. If Transunion can not verify the accuracy of this account, I request its deletion from my credit report.

Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (MD)

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan ; ; and credit card, and any other accounts from XXXX XXXX with a balance of {$3400.00}, XXXX With an unknown balance. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-13
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

Altisource used its cozy relationship with pretender lender loan servicer  XXXX   XXXX   XXXX  as a weapon, using fraudulent trustee sale taking place in just days as a weapon to force me into only  XXXX  option to save my home from fraudulent trustee sale taking place in just days.  Altisource  illegally attempted to seize my home, using ocwen fraudulent records fraudulent documents fraudulent information fraudulent phony  XXXX  file fraudulent loan balances fraudulent past due payments. When my incompetent lawyer  TROs  was denied because my incompetent lawyer did n't serve all the defendants and follow the rules of the court, Ocwen then threatened me increasing the {$660000.00} loan modification to a none negotiable {$750000.00} modification using fraudulent documents fraudulent payment history fraudulent records fraudulent phony  XXXX  file fraudulent principal balances, threatening me that if I did n't sign the pretender lender loan servicers increased none negotiable loan modification settlement in  XXXX  hours  XXXX  and  Altisource  will proceed with the fraudulent trustee sale taking place in just days. I was forced to sign the pretender lender loan servicers increased none negotiable loan modification to avoid fraudulent Altisource trustee sale and I would I lost my home forever. I have filed multiple consumer complaints.  XXXX  robo-starr continues to cover up its fraudulent fronts and totally ignores all my complaints, and  XXXX   XXXX  continues to threaten me with foreclosure.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar has illegally attempted to collect on a time barred debt. This has included multiple illegal actions in an attempt to enforce a time barred debt and the lien is expired by Operation of Law however Nationstar refuses to follow any and all applicable laws. The original " Note '' was a promissory note that originated with XXXX in XXXX XXXX '. The Note was called XXXX by XXXX in XXXX ' causing the maturity date to be shortened to XXXX XXXX XXXX '. XXXX XXXX together with XXXX XXXX ; the promissory note expired under XXXX & XXXX - ( Four Years Promissory Note Time Barred ) then after 8 years Nationstar instructed a 3rd party firm named, XXXX XXXX XXXX publish this debt as owed and has caused multiple defamatory publishings that are 'untrue '' and unlawful. This was caused by an untimely Notice of Default claiming that a " DEBT '' was owed. This was not true as this was time barred and the lien was also and is still also time barred and unenforceable. Under Ca marketable records laws ; See attached documents : from CA Legislative web site : pertaining to being time barred unenforceable lien due to the underlying debt is time barred. This is clearly written - XXXX : Expiration of the lien of a mortgage, deed of trust, or other security interest pursuant to this chapter or any other statute renders the lien unenforceable by any means commenced or asserted thereafter and is equivalent for all purposes to a certificate of satisfaction, reconveyance, release, or other discharge of the security interest, and execution and recording of a certificate of satisfaction, reconveyance, or release other discharge is not necessary to terminate evidence the termination of the security interest. Nothing in this section precludes execution and recording any time of a certificate of satisfaction, reconvenyance, release or other discharge. Thereby -- NATIONSTAR HAS FAILED TO RELEASE PER THE APPLICABLE LAWS. AND INSTEAD HAS RAMPED UP COLLECTION ACTS THAT ARE ILLEGAL. These have included criminal trespassing into property and causing a malicious damage with intent to discourage and harass the homeowner, cause fear and intimidation and has not ceased. This has caused over XXXX hospitalizations for " acute '' care to family member undergoing severe stress and multiple police reports for illegal acts in collecting this time barred debt. The actions have been non stop abuses and caused a later forcing into a bankruptcy in XXXX XXXX ' AFTER BEING TIME BARRED however Nationstar refuses to follow any laws and has caused horrendously abusive illegal acts including verbal threats and physical threats and continues to invade on homeowner and intrude and threats to intrude into her home " whenever '' deem I am not " in '' the home and have sent men to peak into my windows with telephoto lens and continue to harass and cause XXXX more hospitalizations just knowing they continue to send letters claiming they have rights to break into my home.
Consumer complaint received 2019-11-03
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. (CA)

EQUIFAX VIOLATES FCRA RE ACCURATE AND COMPLETE REPORTING AS A PATTERN AND PRACTICE. 
I AM SUING EQUIFAX REGARDING THEIR REPORTING OF XXXX XXXX XXXXI HAVE ATTACHED MY DEMAND LETTER AND CURRENT DISPUTE
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I knew something was wrong with my repayments when I saw that I am being asked to pay {$0.00} per month for the next 14 months ( I have an income and should be paying more than that ). I requested the company tell me what reported income they are basing my monthly payment calculations on on XX/XX/23. The automatic reply was that they would respond within 2 business days. I have not gotten a response yet, it has now been 7 business days. In the meantime I resubmitted my income verification in case that was the problem. A few days ago, my account was suddenly placed into administrative forbearance without explanation. Interest is accruing daily although I am supposed to be enrolled in the SAVE plan and apparently have no payments due. I have been on hold for 40 minutes so far to try to get an explanation. It is unclear if any of this will negatively affect my credit score. I have income available to make required payments, but customer service is inadequate to allow me to make payments.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was hit with XXXX that why I was late on my account with XXXX but you can see my records are clean I was never late on the credit report
Consumer complaint received 2023-06-02
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. (NY)

The right to contest my credit report is something that every XXXX has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.