davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent my letter off XX/XX/2022 I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX  According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified during an investigation demanded by CFPB Claim ( XXXX ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate Also this account is reporting without have been verified by the Experian bureau of my personal signature or identification 15 USC section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction Experian broke the law and has 15 days to either provide My written authorization and the information concluded in this investigation or remove these Accounts XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX, XXXX 15 US code 1681c-2 a consumer reporting agenvy shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 US code 1681b- permissible purposes of consumer reports a. in general subject to subsection c. any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately. 

Thanks, XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I am writing to bring to your attention a matter of concern regarding a dispute with Chase Bank, which I believe may involve violations of consumer protection laws within the state of Florida. 

I received communication from Chase Bank regarding a disputed credit card account allegedly associated with my name. Despite repeated requests for documentation and evidence substantiating their claims, Chase Bank has failed to provide me with sufficient proof of account ownership or liability for the charges in question. 
The communication from Chase Bank, suggests that they have concluded their investigation and are holding me responsible for the charges on the disputed account. However, I have not been provided with any documentation demonstrating my connection to this account, such as signatures, emails, or other relevant information. 
I believe that Chase Bank 's actions may violate several state laws and regulations governing consumer financial transactions, including but not limited to : Florida 's Deceptive and Unfair Trade Practices Act ( FDUTPA ), Chapter 501, Part II, Florida Statutes, which prohibits unfair or deceptive acts or practices in trade or commerce. 
Florida 's Consumer Collection Practices Act ( FCCPA ), Chapter 559, Part VII, Florida Statutes, which regulates debt collection practices and requires debt collectors to provide accurate information to consumers.

Florida 's Identity Theft Protection Act, Chapter 817, Part II, Florida Statutes, which establishes procedures for victims of identity theft to dispute fraudulent accounts and charges.

I respectfully ask that you provide guidance on the steps I should take to protect my rights and interests in this matter. I am prepared to provide any further information or documentation that may be required to assist in your investigation.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

Reported my payment as late despite the fact that I paid on time. Their app made me submit XXXX different payments before it ever updated XXXX payment didnt go through due to the app. I was later hit with a XXXX day late. I want them to remove that late because the account is paid off in full and I was never late.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-10-27
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: EQUIFAX, 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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  : # XXXX 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 an 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 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX  tax collector sent a letter informing my fiance and I that we had an outstanding balance owed on our XXXX real estate taxes. We had refinanced our previous mortgage XX/XX/XXXX and verified with the closing agent that they had appropriately applied escrow funds for taxes owed. At the time of receiving the letter, I attempted multiple times to resolve the escrow shortage with the Lakeview loan servicer, XXXX. In addition, the insurance broker I have used for years attempted to call them for the hazard insurance. When the broker called, XXXX stated they had no record of my loan. During my attempts to resolve, they would claim to research and call me back but never did and now 7 months later I can not resolve this issue. By reviewing the payments on the Lakeview loan servicing website, I can see funds posting as XXXX XXXX and XXXX XXXX XXXX XXXX. However, the amount listed {$2600.00} is not our quarterly escrow amount. It should be {$2200.00}. I have asked for copies of checks and evidence of where the funds were sent to. If we can obtain this, we can see where these funds were applied to. We were informed by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collector that the amount {$2600.00} does appear to be the amount owed for our condo association builder ( XXXX XXXX XXXXXXXX XXXX ). But we can't get XXXX to work with us or provide the documentation needed to resolve this. My fiance had posted a poor review on the XXXX XXXX XXXX  and Lakeview reached out to state they are opening a case but passed it back to loan servicer XXXX. We do not want this issue to continue being unresolved. Our escrow balance went into a shortage, our taxes are not paid, and our mortgage payment increased to account for a shortage created by XXXX in the first place.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (GA)

XX/XX/XXXX Opened account online with PenFed Federal Credit Union at XXXX. 

XX/XX/XXXX Sent an email to close this account at XXXX. 

XX/XX/XXXX Received a response via acknowledgement email from PenFed at XXXX to confirm closure and current mailing address. 

XX/XX/XXXX Provided confirmation via email at XXXX with the information XXXX requested. 

XX/XX/XXXX Received an email from PenFed stating unable to process this request via email due to amount of funds on hold. I will need to contact a Member Service Representative at XXXX to complete this request. 

XX/XX/XXXX XXXX with XXXX at PenFed who advised that I needed to call back on XX/XX/XXXX. 

XX/XX/XXXX Spoke  with XXXX at PenFed who claims unable to verify my identity after correctly answering all questions he asked. 

I called later on that morning, spoke with XXXX who advised account on hold until Tuesday. She claims unable to assist further. 

I called back again that same day, spoke with XXXX who advised account on security hold and required certain documents. I submitted my Drivers License and received a confirmation email. 

XX/XX/XXXX Spoke with XXXX at PenFed verified my Account number, Date of Birth and email address as requested. She sent me a verification code via text to which I provided back to her. XXXX, indicated that a Cheque in the amount of {$2500.00} would be sent to my address on file. This will be after a XXXX hours review. 

XX/XX/XXXX Spoke with XXXX at PenFed who claims that I must provide the following in order to close this account : 1. Color copy of my Driver License 2. My Social Security Card 3. Utility Bill 4. A statement requesting closure of my account Please assist me in obtaining my money from this company PenFed Federal Credit Union. 

Thank you! 
XXXX XXXX XXXX.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I told a loan # XXXX I fell behind on my mortgage I file for loan modifications they were supposed to take {$25000.00} off the loan they never did XXXX of XXXX I file for bankruptcy the bill was {$190000.00} on the loan.i sold the house I had to pay XXXX XXXX needs to know why went up {$70000.00} within 2 years please have them detailed so I can understand because it doesn't look right.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

On XX/XX/XXXX, I made a payment of {$240.00} which has been debited from my bank account. 
This payment has not been applied as of today, XX/XX/XXXX I have made numerous calls to XXXX only to be told to check back in a few days I made an extra payment for the same amount on XX/XX/XXXX which has been applied but the payment that was debited on XXXX still has not been applied. 

I have also mailed a letter to XXXX XXXX on XX/XX/XXXX but still no reply.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.
Consumer complaint received 2023-06-06
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. (NC)

I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2023-01-10
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: BARCLAYS BANK DELAWARE (CA)

My credit report from XXXX and XXXX incorrectly reports that I was late for my XXXX XXXX XXXX XXXX XXXX for XXXX XXXX for the months of XXXX and XX/XX/2022. I never received a bill from Barclays XXXX XXXX XXXX ) for those months. 

Prior to XX/XX/2022, I had no balance on the account and then had an annual warranty charge posted in XX/XX/2022 for {$69.00}. The charge was correct but I never received any notification or billing from Barclays for the charge. 

I asked Barclays to investigate and they refused but could provide no proof that I had received any billing or email about the {$69.00} charge. I have had no charges on this account for many years and only learned of the late charge when I ran my credit report.
Consumer complaint received 2023-01-10
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. (TX)

back in XX/XX/XXXX, I contacted all three bureaus to verify some accounts were inaccurate. XXXX removed the account but XXXX refuses to remove the items that were investigated and deleted. Under the FCRA all bureaus must be accurate, complete and verifiable. If any of the Bureaus find information to not be accurate, they must share this information with the other major bureaus. I have attached a copy of the investigation results. in accordance with the Fair Credit Reporting Act, XXXX and Equifax have violated my consumer rights under 15 U.S.C B 1681a sec 603 15 U.S.C 1681 SEC 602a 15 U.S.C 1681 SEC 604a Sec 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-06
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. (IA)

" 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Hello, I have an Amazon Store Card through Synchrony Bank. They took out my payment twice from my checking account for {$250.00} on XX/XX/2023. 

I contacted them on XX/XX/XXXX about the issue. Had I not mentioned it, they would have never said anything. 

I currently have a credit of {$250.00} on my account. The customer representative told me a check was being sent and might arrive in XXXX business days.

This was an electronic payment ; it needs to be reversed electronically and immediately. The company sitting on my money for 14 business days is unacceptable.
Consumer complaint received 2023-02-15
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. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2017-11-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.
Consumer complaint received 2022-10-27
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

My Payment due date is on the XXXX of every month, due to pay periods not lining up I have had to pay on the XXXX of the month. Conns home plus will start contacting the day after due date and continues to call all numbers provided starting at XXXX calling multiple times a day. Today XX/XX/2023 I have received XXXX calls to my mobile phone and XXXX calls to my work phone. Last month I received nearly XXXX calls within a 4 day period. This is harassment and shouldnt be allowed.