davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX XXXX, am filing this CFPB complaint concerning a dispute of re-investiga tion. Into inaccuracy being reported on my consumer credit reports. With ExperianXXXX XXXX XXXX XXXX XXXX Information Services. In my dispute I also had my disputes notorized as verification of the date they were filed In the filing of my disputes my federal rights were violated by the furnishers. Whom, were reporting of the inaccurate infromation.My rights were violated by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent my disputes requesting an reinvestigation into the negatively inaccurate informati on that was being reported. According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). you are required by federal law to conduct a reasoable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be-hard evidence that goes all the way back to the original creditor, not verification from a third database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the negative account. 

I had my disputes notirized to verify that I had submitted my disputes.And not only to show when the dispute letters were notorized as witness of the disputes. After, the filing of the disputes, I never received any notices of investigation results at all. Therefore, the Law is very clear as to the Civil Liability and the remedy available to me for " " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend to pursuing litigation in this matterto enforce my rights inder FCRA. 

In the filing of this CFPB, complaint XXXX demand first of all that the federal staues be followed. By all three credit bureaus, and furnishers. As, I know that credit bureaus do not conduact any reinvestigations. Thats why have not received any reivestigation information on any of my disputes. 

Thus has violated my federal rights over and over again, so I want the negative accounts deleted from my consumer reports with Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

( See attached copy of disputes submitted to the three mayor credit bureaus ) which will prevail all of my rights violated unDER : 15 USC 1681 611 ( a ) ( 1 ) ( A ) 15 usc 1681S-2 15 USC 1681 ( a ) ( 7 ) 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ) I demand immediately deletion of account information or face Civil Liability.
Consumer complaint received 2021-10-20
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. (CA)

Experian keeps letting this collection account from XXXXXXXX XXXX  appear and reappear on my credit report even after submitting fraud documents time after time. This collection needs to be removed as it is fraudulent.
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. Experian, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from XXXX XXXX that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to XXXX XXXX as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to XXXX XXXX on XX/XX/2023. 

- Monday, XX/XX/2023, a payment of {$2200.00} was made to XXXX XXXX. 

In total, with all payments made, it should add up to {$8100.00} which is the total amount XXXX XXXX states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. 

I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. 

Experian reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. 

According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. 

Meaning, a transaction or experience with XXXX XXXX such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that XXXX XXXX had with myself which is against my consumer rights for this information to be reported. 

Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. 

The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because Experian continues to report false information on my account which in term has decreased my credit even further.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (PA)

I reached out to chime to file a dispute in reference to someone stealing all of my identity. I reached out to the police and Chime on XX/XX/2023 offered police incident report and 45 min later chime said they have concluded their investigation and that no error occurred. I dont have money to give away or throw away. I also emailed them and said I would like another investigation ( rebuttal ) and contacted the XXXX. Please help me
Consumer complaint received 2023-07-16
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: MRS BPO, LLC (VA)

On XX/XX/2023, MRS BPO LLC reported a collection of delinquent payment to the credit bureaus, on behalf of a collection for XXXX XXXX This apparently relates to an account opened on XX/XX/2023, and which remains unpaid in the amount of {$530.00}. This is not my account and has no relationship to me ; therefore, the reporting is erroneous, or fraudulent. I do not have now, nor have I ever had, an account opened with XXXXXXXX XXXX. The obvious evidence against this erroneous report is that there is no credit inquiry and no credit account activity reported on my credit report. Moreover, due to multiple identity theft incidents, my credit reports have been locked at my request for years, and so no creditor can access my credit report with respect to any new request for new line ( s ) of credit. Additionally, I have had no contact from MRS BPO LLC and they have apparently made no effort to investigate whether this claim in fact relates to me ; if they had, based on the preceding information I've presented, they would recognize this claim is unrelated to me. Therefore, MRS BPO LLC is either in error or is contributing to fraud ; as such, and since this report is harmful to my credit score, which is exceptional, MRS BPO LLC must immediately correct this report with the credit bureaus.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OZK (TX)

I have a Bank Ozk checking account. Per my understanding, Overdraft Protection is an opt in feature. During account opening, I said no to Overdraft Protection. Yet, the bank opted me in Bounce Proof and informed me by letter mail. Bounce Proof seems to be Overdraft Protection but with a different name. I visited the bank and asked a personal banker to remove the Bounce Proof feature. He suggested I keep the feature, and after a few mins, I insisted on removing the feature from my account. I believe I should not need to opt out of a feature by either calling customer service or visit a branch just because Bank Ozk signed me up for it automatically.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

My account had several unauthorized transactions for the amounts of XXXX $ another XXXX for XXXX $ and the last one for XXXX $ and I've tried to dispute them and the results for that my Wells Fargo account was closed and I never got a chance to access the account ever again
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

In XX/XX/2021, HSBC advertised a {$450.00} welcome bonus for checking accounts opened. Terms were {$5000.00} direct deposited in first 3 months after account opened. The ads have since been changed to say " {$5000.00} per month '', and they are not honoring the bonus. 

I have contacted the company twice regarding this and they are pointing me to the NEW ads ( that say {$5000.00} monthly deposited ) which have been changed since XXXX.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX XXXX XXXX I received a " statement '' from someone either posing as Bank of America or Bank of America themselves saying I opened an account called " Your Adv SafeBalance Banking '' account. It said there was an opening bal of XXXX and an ending bal of XXXX. Then XXXX came and I received another notice from them with an opening bal of XXXX and an ending balance of XXXX. So, i still believed that this was a scam trying to get me to contact them a bit like the internet " click-bait '' scams going around. I did not call and I still have no intention of contacting them as I never opened this account to begin with. I received another " statement '' from them saying that now I owed them {$4.00}, and then another and yet another until now they say I owe them {$9.00}. Let me be very clear, I have never opened this account.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am writing to report a possible deceptive practice by Chase Credit Card, which I recently encountered while using their services. 

Today, I attempted to set up a Pay Over Time option but was unsuccessful. However, upon reviewing my transactions, I noticed a separate transaction from XXXX XXXX for {$340.00} on XX/XX/2023, which was successfully set up as a 9-month installment plan with monthly payments of {$38.00} on XX/XX/XXXX. I have the email evidence to support this. 

The issue is that I do not owe this amount as the merchant had already refunded the {$340.00} on XX/XX/2023. Despite the refund, the balance still reflects this payment, even after successfully setting up the installment plan on XX/XX/XXXX. The banks explanation is that I can set up the plan like this, but I find it an inadequate justification. 

It is evident that if someone were to forget about the refund from three months ago or have cognitive difficulties like XXXX, they might end up making the payment. In this case, Chase would profit {$340.00} from this apparent mismanagement. 

I am concerned that this could be a deliberate trap or, at the very least, a mismanagement issue. Regardless of the reason, if such misconduct is proven, it should be subject to regulation. 

I request your intervention and supervision in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Due to COVID I became delinquent on this account and was no longer able to pay on it. I went with a debt settlement company called XXXX XXXX who entered into a settlement with Capital One to pay an agreed upon amount starting XX/XX/2023. I have been paying on this account and still getting marked with late payments as if the account is opened, yet it is marked as close on their own website.
Consumer complaint received 2023-07-15
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: MacDowell & Associates, Ltd. (CA)

I did not allow macdowel and associates to run my credit. I do not remember opening any cash plans. I was a victim of identity theft. I will upload the police report.
Consumer complaint received 2023-07-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (PA)

In XXXX I entered into covid for forbearance with Veterans United and it was explained to me that at the end of my covid pause that they would be able to modify my loan or refinance to a lower rate. As I was applying for the modification for 3 months I was entering into my application the same information over and over for 3 months when they had all the information the first two weeks. Then exactly after my 6 months of covid pause then they tell me that my modification was rejected. It was my instruction that the company would at least in the end wait until I refinance to collect arrears. I am able to make my normal payments but now they tell me they won't accept my payment only the whole amount due. My income is now the same as when I bought the home to qualify for the mortgage but it seems that it won't work with me on on the matter. I feel that the company is not treating me fairly with the covid situation I had which was not my fault. My wife after the covid shot irritated a XXXX in her head with led to a major operation and effecting my income for a whole year and it seems a company working with XXXX XXXX  would be a little more considerate of the situation during the covid forbearance. I know that I'll be refinancing soon and I could pay the arrears.
Consumer complaint received 2023-07-15
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (NC)

Hello, I have been trying to reach IC System since 2022 and I have yet to receive any response regarding the information I requested. Because I do not recognize this account I do not believe that this account is mine.
Consumer complaint received 2021-09-28
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: SYNCHRONY FINANCIAL (NJ)

XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL SYNCHRONY BANK ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
Consumer complaint received 2024-01-31
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. (SC)

XX/XX/XXXX, I looked at my report. I sent a letter to Transunion on XX/XX/XXXX asking them to reinvestigate these accounts : 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  they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681 ( e ) ( b ) they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Transunion really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case!
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your