davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (IL)

I tried to pay off this loan at the end of XXXX. My payment was not processed and my online can not said it was still processing..and continued to say this for 3 months. I sent several emails to their customer support and first was told their debt card system wasn't working. Then I was told that they couldn't run my card anymore. Needless to say without a phone call from them ... and with my persistence to pay this ... I was reported to the credit bureaus as a late payment anyway So I now tried to get a mortgage to buy a home. And I could not cosign for my wife because of the damaging late payment! I am so frustrated with Money Lion and the games they are playing with my finances. 
Finally a couple days ago they freed the block ... ..and I was able to run the card. Why the XXXX would you make it impossible to pay off my account? And then report to my credit
Consumer complaint received 2023-01-21
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: National Credit Adjusters, LLC (GA)

This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (OK)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I mailed out a letter to Experian on XX/XX/2021 asking them to fix incorrect late payments. I haven't heard back from these two bureaus since I mailed out the letter. I provided documents with the payments on them to the bureaus showing I paid on time and they took no action. I have even previously asked them to verify with creditor that the payments I made were late to which I had no response. I want the payment regarding my XXXX account corrected to paid as agreed.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX  ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I disputed a XXXX XXXX auto loan account and provided documentation of the lien release and title and Equifax fax reported after it was updated in XX/XX/XXXX. So they are still reporting it as I owe the debt. The account has been on my credit report since XX/XX/XXXX. Equifax refuses to actually dispute anything. They even told me that inquires cant be disputed even if they are fraudulent. They refuse to remove anything off my credit even when I provide documentation that the item is incorrect or has been paid.
Consumer complaint received 2023-12-05
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. (GA)

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. 

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  has violated my rights. Or list of inquiries 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 2022-02-18
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: Experian Information Solutions Inc. (TX)

I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.
Consumer complaint received 2023-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2022 my home equity line of credit account was hacked. I went to the Branch of Citizens Bank on XX/XX/2022 to explain that my accounts were hacked. The person who went into my account made it look like I made transactions of {$2400.00} out of my account. The same person also hacked my two checking accounts, my savings account with the same bank Citizens Bank. I finally was credited back for the money that was taken out of my checking and savings accounts for {$1800.00}, but not credited back on my home equity line of credit account. I need this taken care of and have my account in good standing again. I am not responsible for these transactions out of my account. If I wanted to withdraw from my home equity line of credit I would not do all these transactions back to back in one day and with these amounts should raise a red flag {$500.00}, {$490.00}, {$490.00}, {$240.00}, {$250.00}, {$250.00}, and $ XXXX makes no sense to do this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-01-14
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. (FL)

I sent the TransUnion Credit Bureau a letter asking them to verify the alleged debt on my report. They have sent back letters stating that everything is verified correctly. My credit report is still showing inaccuracies. The credit reporting agency states that they verified the debt and did an investigation ; however there are still inaccurate reporting 's on my credit profile. A copy of the TransUnion investigation results and a copy of my Credit Report showing the inaccurate information have been attached to this complaint. 1. The inconsistencies are located on Pages 3 and 4 of the attached credit report and are highlighted in yellow. - The account limits, dates of last activity, late payments, high credit limits, high balances, and payment history are inconsistent and vary among TransUnion, XXXX, and XXXX. How can information that has allegedly been " verified '' vary among all three credit agencies? 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : A ) Reporting information with actual knowledge of errors 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 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a direct deposit in my Capital One checking account early in the morning of XX/XX/XXXX. This was the day to be paid as indicated by my employers pay slip. Then it just disappeared. 

I called initially and was told to just give it time. This is despite the fact that a portion of my pay goes to another account, and that had already posted without incident. I called back and was told its not there, so call your employer. I explained that there was no issue with the part of my direct deposit that went to another bank. 

According to Capital Ones own website, direct deposits should post the same business day. That would be yesterday at this point. I believe Capital One is doing what most large banks do. They process a deposit last but process charges first. Also, with it being a holiday they can needlessly hold on to funds most likely with the intent to charge fees. 

I was told it would take 20 days for this issue to be resolved.
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (PA)

The debt I received was due to a identity theft in the result of someone opening an account in my name with devices I have not claimed. Its very frustrating because I have tried to explain that to the debt collections and they still call every single day
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VT)

As detailed in my previous CFPB complaint regarding XXXX XXXX, XXXX failed to pay my property taxes from my escrow account. My loan has now been transferred to Mr. Cooper, my property taxes remain unpaid, and I have been unable to resolve this issue with Mr. Cooper. The property taxes were due on XX/XX/2023, and I have been informed that my home will be referred for a tax sale if this issue is not resolved by XX/XX/2023. 

After spending many hours over a period of months trying to resolve this issue with XXXX and being assured that XXXX would make the payment, XXXX informed me on XX/XX/2023, that because it had transferred my loan to Mr. Cooper it would not be paying my property taxes as promised. XXXX indicated that it had reached out to Mr. Cooper regarding this issue and instructed me to do the same. I called Mr. Cooper that day and was told that I was not in there system. I emailed Mr. Cooper about this pressing issue that same day, and have yet to receive a response.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tesla, Inc. (CA)

In XX/XX/2015 we had solar panels installed on our home via Solar City, who is now Tesla. Initially, we planned to purchase the equipment and signed a loan agreement with them. Prior to installation of the equipment we decided we only wanted to purchase the power from Solar City. We the signed a cancellation for the loan, then signed a My Power Agreement ( to purchase power only from Solar City for a period of 20 years ). Since that time, with both Solar City and now with Tesla, we have had continual issues with our account. It would seem that some of Tesla 's records indicate that we are under a loan contract with them, other records indicate that we only pay monthly power usage ( which is current ). We have never been able to resolve this issue. Now, Tesla has reported the outstanding loan to XXXX which has negatively impacted our credit. This is a huge issue for us as we are a small business that relies on a fluctuating line of credit. We need to get this resolved as quickly as possible. I have spoken with Tesla, numerous times, as recently as yesterday afternoon and was told by XXXX with the accounting department that they have every right to report us and that she would send an email on my behalf to their credit department who would make the decision on whether to help me or not. She simply does not understand, nor does anyone else seem to at Tesla. This is an urgent situation for our business. I have all copies of all supporting documentation available. Thank you.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NV)

I am trying to recover/claim from Chase Bank XXXX check # XXXX to the pay order of {$5200.00}. The date of issue : XX/XX/XXXX by XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, approved for the XXXX XXXX Assistance Program for applicant. The check arrived to the address on or around XX/XX/XXXX. Without consent, a former tenant took the check and deposited into his Chase Checking Account through the ATM at the XXXX and XXXX bank. His bank account was frozen and then closed within a week. The {$5200.00} check was cashed and the funds were held without an explanation by Chase Bank in a " special '' account since XX/XX/XXXX. I contacted Chase Bank several times always leading to nothing. We buried my dad on XX/XX/XXXX. The power of attorney had expired and the focus went into handling my dads affairs. It was to early to know what to do at this time. I was the only person handling all of his affairs. 
My dads assets were under {$25000.00} and probate is not required as stated by the state of Nevada. There was also no will. I took ownership on XX/XX/XXXX of the property in, XXXX XXXX, NV by a deed upon death document. On XX/XX/XXXX, I sold my property. I paid off my dads debt and also his reverse mortgage loan that had started the foreclosure process. I also filed my dads tax return. I received a 1099 for the {$5200.00} from the office of the comptroller even though my dad or myself never received the funds. 
To claim the funds, I presented all of the necessary documents needed for release to a Chase banker as required by the State of Nevada : Small estate Affidavit, Affidavit of Heirship, my dads Death Certificate, my dads drivers license, my passport, copy of the deed upon death, copy of the payoff spreadsheet for the property. I was told that I needed a document from probate showing that I was the Executor of the Estate. My dads total assets were under {$25000.00} and a deed upon death was left to his heir, myself. There was no probate required in the state of Nevada. It has now been almost 2 years. Chase Bank has given me the runaround and is keeping the funds that do not belong to them.
Consumer complaint received 2023-01-14
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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. (FL)

Id theft victim These accounts are not mine XXXXXXXX XXXX balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX  Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
Consumer complaint received 2022-10-04
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. (TX)

I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.
Consumer complaint received 2022-10-04
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. (SC)

In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX Acct # they could not provide one XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct 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 an account without my written instructions
Consumer complaint received 2023-01-14
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX