davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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. (OH)

In the beginning of XX/XX/2018, I received alerts informing me that my TransUnion credit score went down XXXX points and XXXX credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted TransUnion and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (LA)

After opening my account, I had funds direct deposited into the account. At the time, the deposit should have been once a week. I used my Debit card for a XX/XX/XXXX. The balance left in my account was lower than {$5.00}, but before another deposit could be made, there were fees applied to my account causing my account to become overdrawn. When the store charges tried to post to my account, more overdraft fees and overdraft protection fees were applied causing more of a negative balance. When I learned of all the fees and the chaotic mess that my account was displaying, I immediately had my direct deposit switched to another bank.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Experian is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why Experian had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX  as a result of Credit Dispute # XXXX
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA Bank Paid {$800.00} toward my VISA account via a direct bank to bank transaction on XX/XX/2019. When I noticed the payment was posted but there was no change in the available credit, I contacted USAA. 

USAA indicated that there was a hold until XX/XX/2019. 

This is the XXXX season. More importantly, as a XXXX veteran, who served 20+ years, I am having XXXX XXXX on XX/XX/XXXX and had planned to use my card today and tomorrow. Although stated in their terms, this practice would appear to be predatory and unfair to veterans and American consumers, at large. 

Sincerely, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2019-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I Purchased an XXXX Watch from XXXX XXXX on XX/XX/XXXX and It cost {$2200.00}. The quality of the watch is bad and I have to send back to the merchant several times to fix and did not get the watch back for almost a year. I don't have any patient and would like to dispute the transaction since I don't have the product here with me. I contacted the merchant many times by phone, mail, emails to manager, chat with customer service ... But no hope. 

I contact Bank of America to request a dispute for that transaction. I fill out papers, contact BOA several times and they denied my request because it is out of the time frame. It is very not fair, since my account was charge {$2200.00} for nothing. It would make sense if I keep the product! My case ID is XXXX and was opened on XX/XX/XXXX. I submits all papers on time to BOA, all documents to prove my case and a letter to explain my situation. I have no choice now to asking CFPB a request to stand on my side. Thank you and I hope to hear from you soon.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (OR)

On XX/XX/XXXX, I totaled my XXXX purchased with financing through BMW financial. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, BMW financial reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to BMW financial all for a greater amount than what BMW financial would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of $ XXXX with BMW financial which was never settled. Upon contacting, BMW I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and BMW financial to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within BMW was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid BMW financial on XX/XX/XXXX, XXXX.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX $ and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. BMW financial refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX  ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER XXXX AND TRANSUNION.

XXXX WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER XXXX NOR TRANSUNION HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.
Consumer complaint received 2021-06-04
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. (NJ)

Credit Reporting agencies are reporting incorrection information. XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
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: EQUIFAX, INC. (LA)

As specified by the FCRA 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer and XXXX, XXXX, and Equifax are consumer reporting agencies. I the consumer have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of these customers nonpublic personal information. XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX and XXXX the financial institutions and the consumer reporting agencies XXXX, Equifax, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX, and XXXX whether it be verbal, nonverbal, written, or implied is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless the consumer is given an explanation of how the consumer can exercise a nondisclosure option. XXXX and XXXX never informed me of my right to exercise this nondisclosure option. Also 15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s ( 2 ) ( A ) ( 1 ) ( A ) states 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. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer report to the purposes listed under section 1681b of this title. 20 USC 1232 ( g ) ( b ) protects the privacy of student education records. Financial history can not reported without the written consent of the person who it belongs to. XXXX, Equifax, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

Im really worried that LVNV FUNDING LLC is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. LVNV FUNDING LLC has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX XXXX never granted consent to LVNV FUNDING to contact me. LVNV FUNDING has/ or purchased my private information without my consent. I never contracted with LVNV FUNDING. LVNV FUNDING is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand LVNV FUNDING to validate this alleged debt. 
If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for LVNV FUNDING to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Consumer complaint received 2023-05-11
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. (NC)

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 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.
Consumer complaint received 2018-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (NV)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX