davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

XXXX filing complaint due to missing payment from XXXX XXXX for the month of XXXX my payment has not been applied to my mortgage spoke with XXXX XXXX who stated my payment was sent out via mail same as past payments my account is 35 days past due and I have escalated with XXXX  to investigate payment which is in process but was told bank should have payment
Consumer complaint received 2023-02-05
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. (MN)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed this inaccurate information to XXXX, Transunion, and XXXX  sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Consumer complaint received 2023-02-05
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. (CA)

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 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 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2022-11-13
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. (TX)

It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Consumer complaint received 2022-11-13
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. (FL)

I files this complaint earlier : In accordance with the Fair Credit Reporting act, 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 don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions. 

Equifax ' response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : XXXX XXXX XXXX ( SUPPORT XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 
This investigation failed to provide me with the initial proof of debt collection i earlier requested which is : 1, my signature and that of XXXX XXXX XXXX as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida.
Consumer complaint received 2022-11-13
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. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... inaccurate information are reporting on this credit report from discover... i have attached a copy to prove it.. EVIDENCE IS IN BLACK AND WHITE... STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Consumer complaint received 2023-01-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I would like to remind you that I sent you a letter regarding my complaint against JPMorgan Chase on XX/XX/2022, and still have not received anything from your side yet. I understand that my case is complicated, and some time is needed to investigate it properly especially taking into consideration the newest conditions. 
However, the main reason for writing this letter is not even that I still have not received any comments or updates from you on this matter but is a fact that in the middle of XXXX of last year I received the information from JPMorgan Chase that my bank account was frozen according to a court decision. The main thing is that this claim has been made by my creditor XXXX XXXX XXXX XXXX as I had not paid them the full amount. The reason why I could not proceed with the payments in a normal way is the fact that I had been scammed and lost my funds needed. 
Needless to say, I was deeply shocked by this news and found JPMorgan Chase 's behavior not only outrageous but also dishonest and unethical as their negligence and tries to avoid responsibility are causing me even more problems now. My financial situation is getting worse as time passes and instead of just getting my lost money back as compensation, I have to fight the bank and try to get justice from you. Nevertheless, I believe that you as a regulator understand that such cases are not limited to my case, especially given the information I provided earlier on this matter and therefore can help me and others affected by the bank 's inaction. 
I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible.
Consumer complaint received 2022-11-22
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

you must delete immediately the account accounts listed below.
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (NC)

XXXX   XXXX   XXXX  has changed the reporting status of an account included in my  Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on Equifax was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter  XXXX  discharge.
Consumer complaint received 2022-11-23
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. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -what to write -- -- -- -- -- -- -- -- -- In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2024-03-26
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. (AZ)

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. 

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 2023-01-05
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. (FL)

Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, my joint account ending in XXXX was closed due to fraudulant activity. B of A allowed me to open an account, ending in XXXX, but not my wife. On XX/XX/2022, my business account with B of A was compromised and I froze that account. The XXXX XXXX. for B of A automatically froze my personal account, ending XXXX, which from my understanding there was no fruadulant activity. B of A sent my name to " XXXX '', using the fraudulant activity on XXXX XXXX, 2022 which has prevented me from opening an account at any financial institution. At the same time the funds in my account ending in XXXX approx. {$2200.00}, have not been sent to me. B of A said they sent it but I have yet to receive it, and it's been over a month. My Social Security check, which I get on the XXXX of each month, they took it and did not tell me they had it on an account they closed. The only way I found out is when I called to inquire about my balanced funds on that account XXXX. Taxes were due XXXX XXXX and have been threatened by various utilities companies the suting me down.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (NC)

Hello- I checked my credit report today and there was a new credit collection posted in XX/XX/2023 from 'One Main Financial. ' It is a small amount of money, however, I have no knowledge of this debt and have not received any communications that it was outstanding.
Consumer complaint received 2017-05-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

On  XXXX   XXXX ,  2017  I noticed a collection for {$200.00} had been added to my credit reports. On  XXXX   XXXX  I called each credit bureau and disputed the collection. Just 8 days later on  XXXX   XXXX  I received notice via email by Equifax that the investigation was completed. I viewed the results and seen it had not been removed. I then called and asked for a method of verification via FCRA Sectio n 611 and what information was used to determine it was my debt. Equifax did n't provide this information, instead restarting the investigation. Again about 5-7days later saying the debt was " verified ''. I called again and asked for a supervisor and as ked again for documentation to verify how my debt was determined . Again nothing. I then sent a certified letter request verification, which under the FCRA Section 611 ( a ) ( 7 )   should be provided to me within 15 days of requesting which was n't and instead AGAIN instead of providing this information, they again restarted an investigation. Since then, both  XXXX  and   XXXX   have removed this debt from my reports, yet still it remains on Equifax. I also have contacted the original creditor which provided me with a statement. As you can see on the attachments, neither my address nor does the account number match that of which is being reported, which by law means it should be removed from my credit reports, which only Equifax fails to do. I believe unlike the other agencies, Equifax failed to provide a real investigation, because in doing so, they would have seen these mistakes and removed this collection account from my credit report.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (NY)

Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.