davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

At the beginning of this month, XXXX, I looked at my credit report and found multiple inconsistent and inaccurate information from multiple creditors. One of those creditors is Chase. They are reporting two accounts to the credit bureaus, with multiple inaccuracies and inconsistent information that violates the FCRA and is non Metro2 compliant. 

Because of these violations, on XX/XX/2021, I sent Chase a letter stating that they are reporting inaccurate & inconsistent information on my credit report. I requested that they show me proof that they are reporting 100 % accurate information, and if they could not provide me sufficient proof, then I request an immediate deletion. 

On XX/XX/2021, Chase sent me a letter back stating " Your request didn't have enough information for us to begin an investigation. '' Which I don't agree with. I sent them a letter with all the information they needed to start an investigation. 

I am reaching out to the CFPB to make sure that Chase takes my concerns seriously and helps me delete this inaccurate and inconsistent information off my credit report.
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by Debt collector Jefferson Capital and account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights A letter was sent for Validation of this debt and proof proper notice was submitted, however Jefferson capital refuse to provide the information.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (NC)

Repetitive calls on XX/XX/XXXX and XX/XX/XXXX to my work number, which is disruptive to the office and staff. Prior to my down turn, I contacted credit card company to work out a plan and was told they could not offer any form of assistance.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX Auto XX/XX/XXXX XXXX Auto XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally financial XX/XX/XXXX
Consumer complaint received 2022-12-23
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. (NC)

This is my several endeavor to tell credit bureaus 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. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX1 DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NC)

This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (CA)

Hello, I have made numerous attempts to contact Equifax and XXXX  on XXXX, XXXX, XXXX, and XXXX regarding the incorrect/inaccurate errors on my credit report. I have received no response from Equifax and XXXX  has only updated the inaccurate information with no other findings or explanation. This has become a hardship as this incorrect information is impacting my ability to purchase a home as I am currently in the process. I have sent numerous letters and XXXX has removed the inaccurate reporting as of XXXX, but Equifax and XXXX  have not. This complaint is to document the companies non-compliance within the statutory time period30 daysto my request for re-verification. I assume they have not been able to re-verify the information I have disputed. Therefore, they must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report ASAP. Please I am asking for any assistance with this matter as it has been well over the allotted 30 day timeframe.
Consumer complaint received 2022-04-16
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)

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-04-16
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. (TN)

On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.
Consumer complaint received 2022-04-16
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. (TX)

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # 1-6, has VIOLATED My Rights. 

1. XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.
Consumer complaint received 2021-08-31
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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

Select Portfolio Service is my 2nd mortgage company. They have reported late payments from XX/XX/XXXX to XX/XX/XXXX. I tried to pay them but they returned payments. I have asked them to correct it. They will not work with me. They have now put me in forbearance so could make up the payments, but there will still be a negative impact to my credit report.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (ID)

To whom it may concern Hello, my name is XXXX XXXX. I am trying to refinance my home. I just found out in XXXX that my credit score has gone down significantly because of two 30 days past due claims by my mortgage company in XXXX and XXXX. This was a surprise to me considering I never missed a payment. Since the origination of my loan my payments have been between XXXX and XXXX per month. I always pay XXXX just to insure I am paying above the amount of the mortgage. 
In XXXX. I received a letter stating that I was going to have forced insurance if I did not provide proof of insurance. In XXXX. I had my insurance provider send proof of insurance. Assuming that the problem had been resolved I continued to make my payment as usual. 
My mail is not reliable, so I was not aware that fifth third bank had misplaced the proof of insurance and raised my payments up until I got a phone call from fifth third bank notifying me of my partial payments in which I immediately brought the account current. I had my insurance company resend my proof of insurance and the problem was corrected and they mailed me a reimbursement check. I assumed that because they were willing to correct their mistake they would also correct their credit reporting but I was mistaken. 
In XXXX they said that I was an entire month delinquent. Upon further investigation it was determined that my regular payment was not being recognized because it was a partial payment due to an escrow adjustment that I was not aware of. This was corrected and I immediately brought my account current. 
Because of this confusion they reported to the credit bureau two thirty days past due claims. I asked them to correct this, and they said they could not because the shortages were not because of the mistake they made on my insurance, but rather the escrow adjustment. I feel this was an unfair reporting since I was working on resolving an insurance dispute with them at the same time as these adjustments were made. They have since adjusted my escrow back to its original amount. ( very suspect ) They are not accepting any responsibility for the misplaced payment or the mistaken laps in insurance.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I initiated a wire transfer of {$20000.00} on XX/XX/2024, from my Marcus account to my XXXX XXXX XXXX  account. The transfer was expected to be posted on the same day. 

On XX/XX/2024, I also initiated a wire transfer of {$30000.00} to my XXXX bank account. The transfer was expected to be posted on XX/XX/XXXX. 

However, after 3 business days, neither transfers are posted as of XX/XX/XXXX. I called Marcus and the representative told me the wire transfers had already been completed on their end and that I had to call the recipient bank. This is not true because the money is still in my account as shown in the current balance, and the wire transfers still show as " scheduled transactions. '' After I was transferred to the supervisor, the supervisor hung up the call after putting me on a long hold. 

Moreover, on XX/XX/XXXX, I initiated an ACH transfer from my Marcus account to my XXXX account, which was reversed on XX/XX/XXXX. 

I believe Marcus is deliberately making it difficult or impossible to transfer my money out of my account.
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T Bank had pre approved me for a home loan. I sold my house and paid off the mortgage that was also thru BB & T Bank. I put down money in escrow, paid for an appraisal. Paid for a survey and an inspection. Now the underwriter added things right before I get ready to close on the house I was purchasing. I paid to have farm animals moved to a boarding facility. I have nowhere to live due to the underwriter doing this. This has created a horrible hardship for me. I can only stay at a friend 's house a little bit longer. BB & T bank which is Truist now. Has put me thru the wringer and I have no place to go because of the underwriter. Please help me out. 
Thank you
Consumer complaint received 2022-04-16
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. (TX)

In Accordance with The Fair Credit Reporting Act XXXX Accounts # 1-6, has VIOLATED My Rights.

1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.
Consumer complaint received 2021-08-31
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)

I have repeatedly filed disputes ( XX/XX/2021 ) with Experian credit report services regarding an item called " XXXX XXXX XXXX XXXX '' which represents a credit card extended to me which I failed to pay on time and was closed ; this was my fault. As Experian states, the debt was purchased by another lender ; I paid that lender for the amount in full. What I have disputed are the following two pieces of information on this item. First, it is listed as " Charged Off '' twice and this is simply not possible! The second is that It continues to be listed as " Closed '' but not " Paid, Closed. '' as it should. As they requested, I have contacted XXXX XXXX XXXX and they have told me they are not involved with this item as they sold it to another lender called XXXX XXXX XXXX which is listed with this item on Experian. I have uploaded a letter from XXXX XXXX XXXX, to whom I paid the balance, which says to Experian as follows : " Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been satisfied. Your account will be considered paid-in-full after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. '' and, as a result, the entire item should be removed from Experian as it says " delete our company 's tradeline '' which they refuse to do.
Consumer complaint received 2021-08-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

I have a loan with FEDLOAN. The current status should not be showing late because I think I paid on time. This just proves that XXXX  Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$3000.00} FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$1700.00}
Consumer complaint received 2021-08-31
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. (OK)

On XXXX I was denied a personal loan to buy groceries due to XXXX XXXX  being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to XXXX XXXX  for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. XXXX XXXX shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX