davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Lease was up in XXXX of XXXX with XXXX XXXX XXXX  and they require you notify them within 60 to 90 days if you are not going to renew. I called the apartment complex office in XXXX of XXXX to inform them that I would not be renewing my lease and asked the agent what was my next steps to confirming my decision, she told me I would need to email the the office or come in, with my work schedule I told her that I would have to email them with my decision and she said OK. Sometime in XXXX Leasing Agent XXXX called me asking me why I did not want to renew and I told her to review my email that was sent. XXXX tried to convince me to stay but I told her I would only consider if my demands were met, she never got back in contact with me to update me on my demands and I sent another email letting her know I was sticking with my decision to not renew. Now when I check my Credit report that have a balance of {$2000.00} for unpaid rent and they are stating I did not give proper notice which I did.
Consumer complaint received 2023-02-06
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (OH)

XXXX of XXXX I supposedly took out a loan for {$1300.00} it is not my account and I tried to reach out the original debt owner and they are permanently closed. The debt hit my credit report in XX/XX/XXXX and I am just hearing about this from checking my credit report. I wanted it deleted and they are not getting me the information I need to file a police report. I file a dispute on the XXXX of XX/XX/XXXX and it came back XXXX of XXXX saying it's mine and they won't delete it. Prior to this placed on my credit report there was no communication about it sent via mail, phone, or email.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

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 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 2024-03-22
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXX/XX/XXXXXXXX Balance : {$280000.00}
Consumer complaint received 2020-03-17
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. (AL)

XXXX XXXX account number XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX/XXXX  XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX XXXX XX/XX/2017the account was 60 days past due then XX/XX/2017 the account was 30 days past due. How is this so? This is incorrect reporting. 

A charge off account should have a XXXX  balance and written off. It's a violation to have a past due on a charge off account.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Please CFPB forward the following documents to Citi Bank. Thank you! Please Citi Bank, make a real investigation, and help me fix this issue as soon as possible, soI can buy my house. Thank you!
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America despite my repeated written and oral requests failed to supply me with a statement of my card ending in XXXX. Mr. XXXX and Ms. XXXX  XXXX of the XXXX, New Jersey branch repeatedly promised that I would not be charged a late fee. But today the Bank of America informed me that it was charging me {$27.00}! This is patently unfair and illegal! And such bad business practice!
Consumer complaint received 2022-10-03
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX has violated my federally protected consumer rights to privacy and confidentiality. under 15 USC 1681 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 Castrucions 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 XXXX XXXX other adverse item of information, other than records or 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (TN)

I paid XXXX to united funding logistics for credit repair services. 
I have been a customer for going on XXXX months. I have yet to receive any response on anything that they have done. I havent received any updates, improvements, removals on credit reports. They claim to be a credit dispute company but they dont dispute any issues unless you pay for another service to provide them with reports. That information isnt told to you up front. They charge a fee then if you dont do leg work to send them all the information they do nothing for you after they take your money
Consumer complaint received 2020-03-17
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. (AR)

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX {$510.00} XXXX  XXXX   {$760.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

RE : I Received Transunion Investigation Results File number XXXX on XX/XX/XXXX and find that this dispute result haven't fix nor resolved anything, Again Transunion has reported XXXX XXXX XXXX account number XXXX on my Credit Report that is completely incorrect. The Account that they are reporting is Identified as an ( Installment Account ), Which is incorrect, The true account type is a ( Credit Sale Agreement ) In accordance with Fair Credit Reporting everything has to be 100 % Accurate and discrepancies like this is unacceptable, The Credit Sale Agreement was Through XXXX XXXX XXXX, Vin number ending in XXXX and XXXX Brought the account. Also the date on the account reported opened on TransUnion is XX/XX/XXXX That is also incorrect, The correct date is XX/XX/XXXX as well the amount owed TransUnion reporting is incorrect, these are violation in accordance to the Fair Credit Reporting Act. and Demand Removal from credit report immediately, Proof of these documentations has been uploaded to CFPB. 
I expect fair investigation which is my right according to Fair Credit Reporting Act .... 
Note : Please look at the proof I provided through the CFPB Portal. ( True Balance ) ( True Start Date ) ( True Account Type )
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # 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
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC (PA)

I received an email that states : " My team is working on your refinance request, but we would like to get more info about your financial goals. '' This email gave me great pause as I have not requested a refinance and I was worried about Identity Theft. I called the number on the letter and was told this is a marketing piece. I think the piece is materially deceptive, appalling, and disgusting that it was sent by XXXX XXXX | Vice President, Mortgage Banking. Regardless if he led the marketing campaign, it is a direct reflection of poor leadership and I believe it violates UDAAP. Additionally, I tried to unsubscribe and the email did not allow. Rather I have to update my preferences, which does not provide for a simple opt-out solution. Again - disgusting. I worry about my parents or other unsuspecting individuals that don't understand their rights or even how to complete the necessary steps online.
Consumer complaint received 2019-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that Bank of America incorrectly put hard inquiries on my XXXX  credit report twice, on XX/XX/2019 and XX/XX/2019, respectively, and Bank of America also incorrectly reported to XXXX a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from Bank of America saying that they request XXXX to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from Bank of America says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to XXXX, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, Bank of America ) that reported the information has certified to XXXX  that the information is accurate. '' To summarize, after a month of investigation and processing by both Bank of America and XXXX, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because Bank of America determined that they reported accurately and XXXX takes their words for it.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (CO)

My credit card is through XXXX however they have been amazing to work with. The Issue is Paypal is withholding {$2000.00} for almost 80 days they will not release it back to me or to the vendor. 
XX/XX/XXXX, I paid XXXX XXXX XXXX ( the vendor ) {$2000.00} for a product through Paypal. We decided to go through a different vendor and requested a refund. After a week we still had not received the refund, so I opened a dispute. Then my husband said we would just go get the product 2 states away, so I called XXXX to close the dispute and give the money back to the vendor. After two weeks the vendor still had not received the money but I had been rebilled so we called PayPal and they stated they needed it to be closed from XXXX. XX/XX/XXXX this dispute was closed with XXXX, I offered to email Paypal the letter from XXXX stating it was closed but they said they needed it from XXXX. I called Paypal back to let them know it was closed, they let us know we needed to wait 75 days for Paypal to release the funds to the vendor. Though we had communicated all this with the vendor, we were billed again and threated collections because we had the product, and he was out {$2000.00}. In XXXX we paid the vendor an additional {$2000.00} in the agreement he would refund us once Paypal released the funds. I called and checked XX/XX/XXXX that we were still just waiting, and they verified that XX/XX/XXXX would be the end of the 75 days and the vendor would have his funds. I called XX/XX/XXXX to make sure the vendors fund had been released and they stated they are still waiting for XXXX to close the dispute, even though last we spoke it was only a time issue. I called XXXX today XXXX and they again said it has been closed since XXXX. I will be calling Paypal again today and letting them know I filed a complaint, at this point they have no reason to keep these funds on hold from the vendor. At this point I have paid for the product twice and I am not sure what else I can do. Paypal Account is my husband XXXX XXXX XXXX XXXX. Card on the account is mine ending in XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

Credit Account XXXX credit reference ID XXXX debt of XXXX which is an old XXXX XXXX XXXX debt that was removed from my credit bureau years ago because collection time expired on the account. This bill collector contacted my mother in an attempt to restart the clock this debt asking for my name which is my father 's name as well. Sent debt letter to my parents address in Ohio. Which I do not reside at.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time XXXX never late XXXX XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Our mortgage payment on XX/XX/2022 was paid but then immediately reversed by the company Mr. Cooper. There was no communication sent to us regarding the reversal, in fact we only received email verification that our payment was posted. The next communication we received was on XX/XX/XXXX that our mortgage was in default but it was a message in their portal that we receive for every statement so assumed it was that. 

We paid it on XX/XX/XXXX thinking it was simply our XXXX payment. In XXXX, we realized that we were, in fact, behind a month on our mortgage. However, even so, our XXXX and XXXX payments were still made within 30 days, but we did pay late fees. 

We are currently trying to refinance our mortgage and in the final steps of the process were informed that a late payment was going to be on our credit report. I saw the payment and reversal on Mr. Cooper 's site with the payment activity. I called Customer Service and they informed me that in XXXX of 2022 they had a crash of their payment system and many customers had similar issues and some payments were reversed and the reason given was insufficient funds- which was inaccurate. 

I filed a formal request for the company to rectify this issue and have it removed from our credit report. But, the customer service department told me they were unable to submit anything to me in writing regarding their mistake and the research department that has the formal ticket has not responded to multiple emails from me. 

We are supposed to close on our refinance tomorrow and now have to wait for Mr. Cooper to confirm, in writing, that they made the mistake and will rectify it. Or, have our credited re-pulled, with the late payment on it, and likely have a higher interest rate.
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd (WA)

This is about a continued claim I already filed, about not even owing the money and going direct to the source. 
I have asked the credit collection agency to stop calling regarding this ( they were very upset about me going to original party about this ), they still have not sent any materials so I can even see information or contact information for original party! 
They keep calling even though every time they call they are told not to call me! He yells at me that he has every right, that I owe this money to them now, I always hang up. 

Here are dates and times all Pacific same day as reported originally just later : XX/XX/2020 @ XXXX XXXX  XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ; XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XXXX caller is using two different phone numbers XXXX and XXXX