davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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. (MO)

Please remove the following account from my credit file, the account is not mines nor do i bare any knowledge of this account. For im not even the responsible party of this account. Please remove. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. (PA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (TX)

I have been a customer with TD bank for more than 3 years and unfortunately had to close this bank account because I was moving to XXXX  from XXXX XXXX and TD bank has no branches in XXXX. 
Now Im admitted in the hospital and need financial assistance for which I need some transactions from my account in TD bank. 
Saturday on XX/XX/XXXX I called TD customer service asking for international wire transfer documents in year 2019 & 6 months statement before closing my account. 
I was told to call recovery department on Monday, when I call up this lady on the phone tells me to go to a branch and there is nothing she can do! Im in XXXX  and how will I get to XXXX XXXX during this panademic while Im sitting here in the ER just for paper statements or for the matter of fact these documents can also be emailed to me and sorted out! 
Such people should stay at home and not come to work! Having such people at ur bank not only makes u look foolish, but also the whole country looks foolish ... ..
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NV)

This is a follow up and not an initial dispute. CFPB - PLEASE ATTEND TO THIS ISSUE. 

The company was given my identity theft affidavit, and shown I've done a local police report. FCRA 605b requires that they cease any and all collection activity as a result. They stated they're going to request an itemized bill, something ANYONE can type and send. This company is frivolous and needs to be shut down. They have 0 documentation that will stand in court, especially against IDENTITY THEFT. 

They are in violation of my rights under the FCRA. FCRA 605B, 609, AND 623.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AZ)

XX/XX/XXXX we applied for a short sale on our land/property with an offer from buyers offering {$120000.00}. Thus we began the documentation process. By XXXX/XXXX  we were just finding out who our account manager @ Fay Servicing was and who was processing our paperwork. We had near impossible time getting anyone to respond to us and this acct. mgr. kept telling us she had not received documentation and then resolved that their organization had a difficult time with getting emails, documentation and where to find it once it was received. 
We had such a difficult time with communication that I finally reached out to the VP of Operations who did seem to have some pull in moving our process along. 
By XX/XX/XXXX we finally got approval for that offer amount but by that time our buyers had walked away from their offer. 
On XXXX XXXX XXXX we received another offer for {$120000.00} again with new buyers. In XX/XX/XXXX we began the process again.They were requesting all the same paperwork again but we immediately responded and supplied to our new acct. mgr. 
We continuously attempted to receive information about the offer but finally on XX/XX/XXXX I was able to speak to the acct. mgr. who informed us that they refused the $ amount and needed a new HUD statement with a new offer which will net {$110000.00} to them. We replied on XX/XX/XXXX with the new statement. 
Since XX/XX/XXXX we have heard nothing and can not get anyone ( including the VP whom I have contacted twice this time ). We are about to lose our new buyer again all because Fay Servicing is so non-communicative.
Consumer complaint received 2020-03-30
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. (WI)

My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance   company deemed the car totaled, as soon as we found out we contacted XXXX. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX   XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. XXXX is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.
Consumer complaint received 2024-03-18
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. (FL)

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
XXXXXXXX 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 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 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 Please delete and block from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that XXXX notate these disputed accounts as " in dispute '' or " consumer disagrees '' within 30 days. 
I kindly ask the Bureaus to complies with federal laws and expeditiously removes the fraudulent accounts, incorrect names and addresses and any information listed on the " Federal Trade Report List of Fraudulent Accounts '' pursuant to FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ).

Additionally, I request that a new, clean credit report be mailed to my address of record above. 
Please acknowledge the receipt of this letter and provide a timeline for the resolution of this matter. 
I am sending this letter as the sender, XXXX XXXX XXXX, expressing my personal thoughts, opinions, and intentions. The content of this letter is solely my own and does not reflect the views or opinions of any organization or entity. 
Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I opened a joint account at Chase on XXXX XXXX XXXX, XXXX, XXXX. I showed two forms of ID, another recent bank statement with my current adddress, and the account was funded with XXXX. On XX/XX/2021, I was notified by Chase that the account was closed to suspicious activity. A supervisor by the name of XXXX told me that she can not disclose the specific reason they no longer want to do business with me, but it was after a back office review that they have determined I am not a worthy customer to do business with. I do not have any record on XXXX of bad account activity. I recently moved from XXXX, XXXX to XXXX, XXXX and I opened my account with my US Passport. 

When someone says you are suspicious there is a reason my red flag goes up. I have not committed fraud, nor have any desire to do so. I was simply opening an account for household expenses to be paid. 

I would appreciate a response on the reason why my account was closed.
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I received a debt collection notice from ERC for a {$59.00} debt from XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for almost 2 years and have not received any invoices indicating that anything remained unpaid. There is no copy of an invoice, reference to an invoice, or other information. When I called ERC the guy on the phone was not authorized to help me unless I gave him the last four digits of my social security number, which I was not willing to give. This is a scam.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$110.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-29
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. (LA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (WI)

1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence.

2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions.

3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card.

4. Discover placed adverse derogatory write of to my credit report which is fraudulent.

5. I have contacted Discover many times with no avail.
Consumer complaint received 2024-03-18
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. (GA)

Dear CFPB, I am writing to file an official dispute regarding inaccurate and unauthorized information that has been repeatedly reported on my credit reports by XXXX XXXX XXXX ( XXXX ). This collection account does not belong to me, and its continued presence on my credit files has caused me significant financial hardship, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute and seek the removal of any inaccurate, incomplete, or unverifiable information on my credit reports. The following provisions are relevant : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires credit reporting agencies to " promptly delete '' any item found to be " inaccurate or incomplete or can not be verified '' after a reasonable reinvestigation. 

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers like XXXX from providing information to credit agencies that the furnisher " knows or has reasonable cause to believe is inaccurate. '' 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) requires furnishers to appropriately modify, delete, or block the reporting of any information that can not be verified as accurate. 

Despite my previous disputes and requests for verification, XXXX has failed to provide any evidence that this collection account belongs to me. By continuing to report this inaccurate and unverifiable information, they are violating the FCRA. 

I have enclosed copies of supporting documentation. I am escalating this matter to the CFPB and demanding this inaccurate collection be promptly deleted from my credit reports as mandated by law. 

If the appropriate corrections are not made within the legally required timeframe, I reserve the right to pursue further legal action against XXXX and the credit bureaus for willful FCRA violations and any resulting damages. 

Thank you for your attention to this serious issue. I look forward to your investigation and a resolution.
Consumer complaint received 2021-10-17
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. (MN)

I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

This is with reference to my XXXX XXXX credit card with reference to last four digit card no :XXXX.i have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2018, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2018.but nothing happened after that Also the check which i had sent for payment was never acknowledged which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2018
Consumer complaint received 2020-04-10
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: CITIBANK, N.A. (MI)

On XXXX XXXX I opened a dispute with Citibank in regards to a purchase of {$1300.00} on a bicycle that was falsely advertised to fit an individual XXXX XXXX ''. I have submitted all requested documentation. A conditional credit was applied once, in early XXXX ( I'm not sure of the exact date. This conditional credit was reversed on XXXX XXXX and I was told that I could submit additional information to reevaluate the dispute. I submitted additional information on XXXX XXXX and was informed I would again receive my conditional credit within 2 days. As on XXXX XXXX I have still not received this conditional credit. I contacted Citibank on XXXX XXXX requesting the conditional credit but was informed the case had been closed. I have again contacted Citibank on XXXX XXXX and I am currently awaiting a response. As far as the dispute I just wish to return the item to the seller for a full refund. The item was not as advertised. The seller agreed to a return but at my expense. I do not agree that I should be held responsible for any expenses due to the merchants blatant mis-advertising. This would cost me between {$220.00} and {$430.00}! 30 % of the original purchase price. The dispute is pretty cut and dry but Citibank seems to be dragging the process out. Additional and full details in attached PDF.