davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Avadyne Health Holdings, Inc (PA)

H & R Collection reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Consumer complaint received 2022-05-24
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. (PA)

XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXXXXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2024, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (RI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA XXXX, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a mortgage loan with Bank of America on XX/XX/2022. The closing date I was given was XX/XX/2022. I began the process of submitting all necessary files the mortgage agent. The goal post was constantly moved and the demands request by Bank of America were extremely contradictory and inconsistent. They made serval attempts to deny my loan but could never fully articulate to me what was the reason for denial. They waited until the day of closing to deny my mortgage loan. While failing to state what the reason for denial. Based on the actions of Bank of America, I am under the impression that I have been discriminated against. I wrote a 5-page letter direct to a Vice President Lending Market Leader. I will attach said 5-page letter.
Consumer complaint received 2023-02-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-05-24
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. (TX)

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/23 I sent a conditional acceptance to American Express ( AMEX ) asking for proof and verification of the alleged credit card debt and alleged personal loan debt. In these documents AMEX tacitly agreed that any negative credit remarks would be removed from credit bureaus.

AMEX failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debts ( both accounts ), and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I received notice that my account was over-drawn for the following payments : Reversal of temporary credit provided for negative balance prior to stimulus payment. 

{$100.00} {$220.00} {$230.00} {$410.00} Wells Fargo stated they would provide me prior notice approximately seven days before the negative balance is reapplied, however, I never received any notification. 

On XX/XX/2022 I called Wells Fargo at XXXX PM XXXX who apologized for the inconvenience and stated there was nothing they could do. I then requested to speak with a supervisor. The agent stated I would need to confirm my phone number and address before being transferred all was correct. I am requesting my money be refunded into my account and plus reimbursement for all subsequent arrangements I must make for my bills. I was never notified the money would be taken from my account.
Consumer complaint received 2022-05-24
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. (PA)

XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (CA)

On XX/XX/2022, a CSR rep from One Main Financial called me as a courtesy asking when did I want to make XXXX payment. I asked if I was able to refinance to get some cash back since I was trying to sell my home and purchase a new one. The CSR rep advised that a refinance would require to run my credit and I stated I was not interested since I didnt want an inquiry on my credit. The CSR advised I do a deferment instead. This would put one payment at the end of the loan and loan would be current. No credit inquiry would be needed for a deferment. I stated I was interested and the CSR rep processed my deferment on XX/XX/2022. However, now One Main Financial reported to all credit bureaus that I MISSED a payment for the month of XXXX of XXXX because according to them, the payment was ACH on XXXX. I called XXXX, left a voicemail and a rep called me, her name is XXXX and told me I needed to write a dispute letter and fax to them, which I did. I received another call at XXXX from the Dispute Department and spoke to the One Main Manager in the Executive Customer Care department. She now states XXXX XXXX is not able to remove that alleged MISSING payment from my credit report because this is not something they do for their customers. I told her if a payment was deferred it was not MISSED and One Main is acting in bad faith. Had their CSR rep advised I would have a missing payment in XXXX on my credit report i world have never done a deferment. The CSR rep should have been more knowledgeable and know the payment was being ACH on XXXX and not advise I do a deferment. My home lender will not approve my home loan with a missing payment in my credit report on XX/XX/2022. One Main has acted maliciously and has misinformed me, hindered me from getting a Home loan to better the quality of life if my family.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/22 I received correspondence from Capital One Auto Finance stating that my automobile loan was paid in full. Upon receiving this information I used the extra money to do some long neglected repairs around the house. On XX/XX/22 I received an email from Capital One stating that my account was pasted due and I would be charged a XXXX dollar late fee. On the following day I contacted the company in question regarding this issue. I was informed that the correspondence that I received stating my loan was paid in full was an error on the companys behalf and that they would cancel the late fee. I am a retired XXXX from the XXXX XXXX XXXX XXXX and I am on a fixed income, the error that this company has alleged made has turned my budget upside down and put me in a difficult situation. During the first three years of this loan I paid extra money toward the principal and this loan should be paid in full. If for some reason it isnt the company should not be issuing false and misleading information that cause customers to suffer from their incompetence. Any assistance that you can give me regarding this issue would be greatly appreciated. I would like to thank you in advance for your assistance regarding this issue.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My complaint is against PHH Mortgage Servicing company for the added service charge of {$7.00} for making an online payment. I have already contacted PHH and they have already explained that they have the legal right to charge this fee. The part of my complaint that they left unanswered is how is it fair that they can charge {$7.00} for an ACH transfer that probably costs them less than {$1.00}. That is an excessive mark-up that I feel should not be allowed especially given that I never had a choice in who my mortgage servicing company would be and I do not have the option to move my account to another servicer. 

I feel like the CFPB and state agencies should be doing more to protect consumers from high fees, especially in industries where we have no say so or choice in who services our loans.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Consumer complaint received 2022-05-24
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: M&T BANK CORPORATION (NY)

My Complaint is one of FRAUD against XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. 

{$180.00}. was stolen from my checking account without my consent AFTER XXXX discovered HER M & T Bank Teller Made an ERROR and TOOK {$180.00} on XX/XX/XXXX to Pay my, XXXX XXXX XXXX 's Secured Credit Card Bill at the Bank Teller inside XXXX M & T Branch as I did every month. I had no idea the teller withdrew money from the Secured Savings Acccount connected to secure the Credit Card. Only my currently being applying for a new apartment and requesting my financial bank statement brought the matter to XXXX 's attention and on XX/XX/22 MONEY WAS STOLEN without my consent from my checking to REDRESS THE XX/XX/22 TELLER ERROR. I have FILED A POLICE REPORT of THEFT TO NO AVAIL. M & T Bank has REFUSED TO PUT MY STOLEN MONEY BACK and I am in Between apartments. I move INTO NEW APARTMENT on XX/XX/22 but am XXXX and have been ROBBED OF MY MONEY TO EAT AND LIVE. Today is XX/XX/22 M & T Bank are THEIVES OF MY MONEY> XXXX XXXX PLease HELP at ONCE
Consumer complaint received 2022-05-24
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. (TX)

The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (NY)

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus Equifax, XXXX, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
Consumer complaint received 2022-05-24
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. (NY)

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, Transunion, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
Consumer complaint received 2023-03-01
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 (FL)

on XX/XX/2023 I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency XXXX. I filed a XXXX complaint previously and consumer credit agency XXXX responded on XX/XX/2023. Consumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency Experian failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.