davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I made multiple reports and also phone recordings letting this company know to stop contacting me also followed up with a cease and desist letter they still continued to contact me through email and mail services and are basically not complying with my legal demand. Neither did they remove this negativity report from my credit file
Consumer complaint received 2024-03-09
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. (WI)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I keep trying to make mortgage payments but the bank ( PNC ) keeps telling me the payment is not going through because my account number on the checking account the funds are being drawn from has a " XXXX '' missing out of the account number. I re-enter the account number every month that I pay on the PNC website, and the same thing happens ... .the payment does not clear my bank and PNC tells me I entered the account number wrong because it is missing a " XXXX ''.. This has been going on for months and PNC keeps charging me late fees. They act as if I don't know how to count! The problem is in their software system because when I go to re-enter my account number on their website a drop bar appears " SHOWING MY CORRCT NUMBER WITH ALL THE XXXX 'S IN PLACE. So I simply click on that drop bar and the account number appears as a line item. I confirm it again and everything goes through the system and is entered into my PNC mortgage account data. But when I click on " pay '' somehow the PNC software kicks out one of the " XXXX 's '' and and days later I find out the payment did not clear my checking account. I tried the whole process again this month but this time I took pictures of each stage! I have attached pictures of whole the process to add an account number for payment with the PNC website. As you can see in the " add external account '' attachment, it clearly shows my external account number with all correct numbers, and it is in their system already because it appears in the drop bar as soon as I enter the 1st digit of the account number. The correct account number has four XXXX 's. It starts with ... XXXX. PNC tells me it starts with XXXX.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (OR)

An agent from Valor Intelligent Processing LLC called my husband at XXXX over the last week of XX/XX/XXXX and kept asking to speak with me, XXXX, about a 'personal matter ' that they would not disclose. My husband gave them my phone number eventually, because it seemed official, and they started calling me. On XX/XX/XXXX I took a call from a person from Valor Intelligent Processing LLC who read my entire social security number to me to verify my identity. He said I owed {$110.00} for a delinquent bill from XXXX XXXX from XX/XX/XXXX. I didn't trust what he was saying so I hung up the phone. They kept calling, and on XX/XX/XXXX I received a call from Valor Intelligent Processing, this time a female voice sounding very professional. I told her I thought it was a scam and she assured me that that was not the case, apologized for her colleague, and had me log-in to the Valor site to show that I had an account there. It ended up seeming legit. I paid {$95.00} over the phone and gave my address to receive confirmation of the bill paid. I then got paranoid after the call and called XXXX XXXX to confirm that they use Valor Intelligent Processing as a debt collection agency and they confirmed that they do not use them. I can see the {$95.00} to Valor Intelligent Processing on my bank account information, but this is a scam.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

THIS IS NOT A DUPLICATE COMPLAINT This is Additional information in regards of the CFPB Complaint ID XXXX I, XXXX XXXX had Forgot to submit my Cease And Desist letter in previous complaint mentioned above. 

However, the Cease And Desist letter is attached now in this complaint and shall not be construed for any reason!
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

My student loan from XX/XX/2014 to XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in XXXX  and XXXX  please fix this. I know that there is a dispute with the Attorney general with the Navient student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving Navient with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report
Consumer complaint received 2022-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

The mortgage bank has not been crediting my VA mortgage payments since 2008. I have been noticing this for some years I just thought that was a process that they did. But now I know something is wrong. they saying I owe {$24000.00}, and it should be {$150000.00}. Plus they have been adding late payments on top. Now {$260000.00}. The Bank was BB & T/ TRUIST. They have been trying to make go into a modification for the {$260000.00} 30 years, that will be like starting over from 2008, with the loss to me of {$160000.00} of payments made towards the loan. If they can credit missed payments why they can`t credit positive payments to the loan. They were in the news years back of federal wrongdoing of loan. Thanks
Consumer complaint received 2019-03-26
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. (VA)

Wife received phone call from XXXX XXXX claiming an old XXXX bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, XXXX and Experian all used the actual E-Oscar Verify which always shows an amount is verified.
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 # XXXX ; XXXX ; XXXX, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

{$480.00} overdraft fee in XX/XX/2021. 

On XX/XX/2021, I just spoke with the accounting specialist and collection specialist concerning my unemployment situation and asked them what my options are available to prevent the NSF fees. They said they can set up {$480.00} payment plan once the {$480.00} is posted then I can call back and request a payment plan next week.
Consumer complaint received 2022-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-05-30
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. (FL)

CFPB THIS IS NOT A DUPLICATE : I, XXXX XXXX, federally protected consumer, dated on XX/XX/2022 am demanding XXXX XXXX XXXX XXXX to Cease And Desist Pursuant to 15 U.S. Code 1692c ( c ). 

NOTICE : If XXXX XXXX XXXX XXXX fails to comply with this Cease And Desist Order receipt of notice will be in violation of federal law for violating an Federally protected Consumer pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. All legal actions with all Federal Agencies will be taken immediately without further ado and XXXX XXXX XXXX XXXX will be held accountable for any violation ( s ) and penalties and fines will mandatory be applied and this Cease And Desist Order shall not be construed for any reason whatsoever! With prejudice! Best regards!
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX  Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-30
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. (FL)

CFPB THIS IS NOT A DUPLICATE : I, XXXX XXXX, federally protected consumer, dated on XX/XX/2022 am demanding XXXX XXXX XXXX XXXX to Cease And Desist Pursuant to 15 U.S. Code 1692c ( c ). 

NOTICE : If XXXX XXXX XXXX XXXX fails to comply with this Cease And Desist Order receipt of notice will be in violation of federal law for violating an Federally protected Consumer pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. All legal actions with all Federal Agencies will be taken immediately without further ado and XXXX XXXX XXXX XXXX will be held accountable for any violation ( s ) and penalties and fines will mandatory be applied and this Cease And Desist Order shall not be construed for any reason whatsoever! With prejudice! Best regards!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-30
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are : XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is : XXXX XXXX
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANKMOBILE TECHNOLOGIES, INC (FL)

XXXX XXXX  ( XXXX  ) Dispute case # XXXX. 

On XX/XX/22 I disputed an unauthorized transaction from XXXX in amount of {$68.00}. 

XXXX canceled my old debit card and issued a new one. They verified remaining transactions and proceeded to lock my account without permission. I do not have access to funds to pay bills or get necessities. 

XXXX  will not unlock my account and give me access to funds. This is the second time they have done this. 

Please make XXXX give me access to funds. 

Thank you, XXXX XXXX