davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY 30 DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.
Consumer complaint received 2019-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX I reported identity theft to XXXX and all my banks and closed all my credit cards as documented at the XXXX. I have identity theft filed with the FTC and confirmed by the office of comptroller for currency USA. I reported this to chase bank along with numerous other issues. They were supposed to close all bank accounts/ cards/ digital wallets / XXXX  accounts. I continue to ask Jpmorgan chase for production of documents and again faxed my requests last week Regarding fraud loans each {$18.00} k from trustees XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX missing monies transferred from bank XXXX XXXX XXXX XXXX as documented on XXXX XXXX XXXX XXXX. 
I am addressing one issue at a time. 
Chase bank account XXXX deducted {$5900.00} plus dollars from a # XXXX XXXX bank account some unknown entity set up in my name of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia ( I have never lived at that address. ) Chase bank assured me all accounts in my name would be closed early XXXX. 
The chase bank account opened fraudulently in XXXX was closed as per my knowledge. The other account fraudulently opened in XXXX remained opened without my permission or consent. Attached are the account numbers and transaction of {$5900.00} after all accounts in my name were closed as per XXXX and chase bank. I want jp Morgan chase bank to produce all documents regarding these accounts to me at their earliest convenience make available certified letter to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax plus
Consumer complaint received 2023-07-31
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)

I'm filing this complaint to tell you that, I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX  - XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (GA)

To whom this may concern, I have sent multiple certified letters to Experian concerning a student loan ( XXXX XXXX ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, Experian company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to Experian and have NOT received a response.
Consumer complaint received 2021-12-21
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. (CA)

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making XXXX to XXXX qualified payments on my student loans and only have XXXX payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a law, XXXX enforcement agency and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/TransUnion ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date TransUnion reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX  TransUnion is reporting this account is STILL OPEN!! but its charged off???? TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXX. TransUnion reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

I had originally submitted a CFPB complaint in XX/XX/2021 about Wells Fargo Auto reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from Wells Fargo Auto stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus.

Per the letter, Wells Fargo Auto stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the Wells Fargo Auto Loan account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-11-05
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. (NC)

I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from my report.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NC)

Experian continues to report and negativity allow accounts affected by natural disaster to affect score. Accounts were forgiven under payment relief. Creditor noted *Affected by natural disaster. After I requested it be removed, Experian deleted comment and then verified as accurate. Investigation process has done more harm than good.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name XXXX Equifax XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -
Consumer complaint received 2021-12-21
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: NAVY FEDERAL CREDIT UNION (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX  years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Consumer complaint received 2023-08-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NRA Group, LLC (CA)

To Whom It May Concern, I am writing to formally lodge a complaint against NTL RECOVERY AGENCY, a debt collection entity operating at XXXX XXXX XXXX XXXX XXXX XXXX I have been subjected to what I believe are unlawful debt collection practices that are causing severe financial and emotional distress. I kindly request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate and address this matter promptly. 

I was contacted by representatives of NTL RECOVERY AGENCY who claimed that I owed a debt that they had acquired from a third party. During our conversation, it became apparent that the debt collector had purchased this alleged debt without any valid legal basis and proceeded to report it to the credit bureau. I attempted to seek clarification regarding the origin and legitimacy of the debt, to which I was met with coercive tactics and threats to my credit score. 

The debt collector 's representative asserted that regardless of my protests of innocence and the lack of supporting evidence, they possessed the means to negatively impact my credit score irreparably unless I complied with their demands to settle the debt. In an alarming admission, they revealed that they had reported the debt as a " other debt collection '' rather than accurately categorizing it as a medical debt. This intentional misrepresentation was purportedly aimed at maximizing the negative impact on my credit score, with the evident objective of pressuring me into compliance. 

It is important to note that I have undergone significant hardships, including the aftermath of flooding in XXXX  and the subsequent challenges posed by the ongoing pandemic. As I endeavor to rebuild my life and secure housing, my credit score is of paramount importance. Regrettably, NTL RECOVERY AGENCY appears to be exploiting my vulnerabilities to their advantage, demonstrating a disregard for ethical debt collection practices and consumer rights. 

In light of the aforementioned, I implore the Consumer Financial Protection Bureau to take immediate action to investigate the activities of NTL RECOVERY AGENCY and hold them accountable for their unlawful and coercive debt collection practices. I am seeking remedies that will not only halt any further damage to my credit score but also prevent similar misconduct against other vulnerable individuals. 

I kindly request that you consider this formal complaint and take the necessary steps to ensure a fair and just resolution. I am prepared to provide any additional documentation or information required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX Apts. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXXXXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for XXXX XXXX, causing my XXXX XXXX to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the XXXX
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is holding my monthly SSDI benefit due to ( another party 's ) fraudulent activity of the account. This matter is based on a dispute with a former vendor who " ran up '' false charged to the amount of {$1900.00} In any event, the entire amount taken includes the proceeds of my monthly Social Security Disability benefit. 

I have informed the bank of this, but the bank persists in holding my SSDI payment and causing damages as a result.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

List the house to foreclosure because they would not help or modify loan had paid monthly payments on time for almost 9 years and as a result lost the house and my husband XXXX XXXX XXXX passed away, XX/XX/2019 I now live alone in a Apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and before my husband passed away when lost house we lived in a XXXX rm.hotel
Consumer complaint received 2021-12-21
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. (TX)

I recently received a copy of my consumer report, and I noticed some account on my consumer report that should not be there. This agency is in violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. They were to notify me of this in writing 5 days prior. I was not notified. 

I am distressed that you have included the information below in my consumer profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
TransUnion : Account names : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. TransUnion and XXXX Failed to provide any proof that the item belong to me. I do not consent to XXXX or any means of automated verification. 
This is caused me : Defamation, Violation of the fair Credit Reporting Act, Financial Injury. You have Hurt my ability to obtain Credit.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX has been calling me almost every day, at least twice per day for at least 3-4 months. They call from multiple phone numbers with area codes in several states and toll-free numbers. They call on both my home number and my cellphone. They do not leave messages if I don't answer. After the first few calls, I asked them to stop calling me. They now call me almost every day on an average of twice per day. I have blocked as many numbers on my home phone that my phone will allow. On my cellphone, I've blocked close to, if not over, 100 numbers from them. 

When they call, they give a first name and ask for me by name. The then say before they go any further, is this ____________ who resides at __________. I hung up on the first call after telling them I'm not giving out personal info when I don't know who it is calling. On the next call, I told them to stop calling. They called again a day or so later and this time I reminded them I said to stop calling and hung up again. They still continue to call. 

Most of the time I don't answer and just let the call go to voicemail. I then call the number back and get the recordings saying thanks for calling XXXX XXXX and I hang up and block the number. On others calls that I answer, as soon as they start into their " script '' I know it's them, so I hang up and block the number. Sometimes they call my cellphone and when I don't answer, they immediately call my home number ... and vice-versa.
Consumer complaint received 2023-01-20
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. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX, XXXX Account number : XXXX, USDOE/XXXX  Account number : XXXX, USDOE/XXXX  Account number : XXXX, XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.