davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with XXXX, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification needed.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Remove the identity theft accounts from my credit report immediately, as required by law under FCRA 605B. Failure to comply will lead to legal action, and my attorney is ready to take necessary steps to hold you accountable for noncompliance. This is your final warning. XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$680.00} and XXXX XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year> BALANCE {$1300.00}. Please remove.
Consumer complaint received 2022-09-26
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. (MO)

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Consumer complaint received 2019-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-03-07
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: CITIBANK, N.A. (NM)

My credit card was lost, my way fair credit card issued by citi bank. The bank did not notify me of ANY transactions. This was a new card, only a few months old, only used for the purchase of one couch!!! There were countless purchases made in the card when it was lost and I got no fraud alerts or statements from citi. I saw my score dip on XXXX XXXX and I found out the card was lost. I calked citi right away. It took citi over a week to understand that the card was lost and the transactions were not mine. Today, my investigator told me and told me that XXXX XXXX XXXX had told them that they have footage of me at their property. I have asked to see the footage which the card company XXXX not have. The investigator has gone on vacation and has asked me to get information from XXXX showing its NOT me. And if XXXX gives me no information then the card company will assume its me. I would like to see if this was a chip transaction. If a phone or email was used!! I would like to see this footage. This is NOT me and unauthorized transaction for which I am not responsible. The burden is on the merchant!! Please get this footage!!!
Consumer complaint received 2024-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : Urgent Notice : Cease Unauthorized Credit Reporting or Face Legal Action Violations of FCRA and New York Identity Theft Laws Dear CAPITAL ONE, I am contacting you to address a grave infringement concerning the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and New York state laws pertaining to identity theft and fraud. 
It has come to my attention that CAPITAL ONE has been engaging in unauthorized reporting to my credit report without first obtaining my explicit consent. According to federal law, as outlined in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Moreover, New York state law, particularly the provisions regarding identity theft and fraud, emphasize the critical importance of consumer consent for credit reporting. Any violation of these laws constitutes a serious offense.

I firmly assert that I have not granted CAPITAL ONE permission to report any information to my credit report. This egregious lack of explicit consent represents a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and a blatant disregard for federal and state laws.

I demand, unequivocally, that CAPITAL ONE immediately ceases all further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York state laws concerning identity theft and fraud. Failure to comply within the allotted 30-day timeframe will be construed as willful noncompliance, subject to severe penalties under applicable laws, including those pertaining to identity theft.

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and New York state laws. This is not a negotiation ; it is a directive for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I expect immediate action on this matter and anticipate that CAPITAL ONE will promptly rectify these egregious violations, thereby respecting my rights under federal and state laws.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have been trying to get a modification due to a COVID-19 forbearance that I was on for 18 months 2 years ago.. I live in New York. I was told once I came off of forbearance that I would not have to fill out a modification package and that I can get a modification without filling out an application and they asked me what terms that I wanted the excess {$19000.00} from the forbearance that was not paid to be put at the back of the loan then they did the mortgage modification and they told me I had to pay it upfront one lump sum, {$19000.00} which I did not have. so back-and-forth back-and-forth make a long story short they told me to resubmit a modification without putting Covid on it and maybe they would look at it to process it did not happen. I called XXXX they looked over my paperwork resubmitted the modification stated that I am more than able to pay the mortgage modification they work the numbers, their numbers are not adding up. No one will talk. All they do is deny the paperwork was sent in by a third-party XXXX and they still did not consider it. I do not want to sell my house I want to stay in my house I want to start paying my loan.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/XXXX I met with a sales person who had reached out to me about my lease coming to an end. I told him I was aware of the excessive miles and will be ready to purchase the vehicle unless he can offer me something else. Instead of looking at used vehicles with lesser miles at the same price I would buy my current lease for, I asked to hear about what he can offer me to get into a newer lease. I told him which lease I would be interested if we can work out a deal, he walks off and comes back with an other sales person who offers me a XXXX XXXX at {$570.00} for 39 months and the dealer will cut me a check to pay off the bill XXXX will send me for the remaining of my lease which he said was for {$2700.00}. We agreed on a lower monthly payment. I questioned if the only bill I will receive will be for {$2700.00} and he replied yes never mentioning any other charges or the miles so I agreed to the deal. The bill I received for my previous lease came in for {$10000.00} which included the excessive miles. I contacted the dealer right away to let them know this is not what I spoke about with the original sales person who I made clear what I was looking for. They told me the second person who made me the offer only deals with the car payments. He tells me the other sales man never mentioned anything to him about the miles. I know I was scammed. The first sales person who got the sale did what he had to do to get his sale for the month, I have reached out to him and he wont even reply back to my emails which is very unprofessional if he did nothing wrong. The dealer has done nothing at this point. I called the XXXX and he has not returned my message.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing in response to a recent notice I received regarding a collection account associated with my name. Upon reviewing the information provided, I have reason to believe that there has been an error in the reporting of this account.
Consumer complaint received 2019-12-19
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. (TX)

EQUIFAX IS MAKING HUGE ERRORS ON MY CREDIT REPORT AND VIOLATING THE LAWS OF THE FCRA! THE ITEMS BELOW WERE SENT TO EQUIFAX TO CORRECT. 


XXXX XXXX Account Number : XXXX You are reporting that there Is a " balance '' of {$760.00} and " Past Due '' amount of {$180.00}. it cant be both. Delete. You also are reporting late payment status is " 120 days late '' but XXXX  shows " 150 days late '' it can not be both when you also report Late Payment Status is only " 30 days late ( 1 time ) It can not be late 120 days and only have ( 1 ) 30 day late payment at the same time. 

XXXX Account Number : XXXX You are reporting there is a " Balance '' of XXXX and a " Past Due '' amount of XXXX It can't be both. Bureau Code says " Authorized User '' on a " charged off '' account so it should removed. You are reporting ( 1 ) 30 day late The other credit bureaus are not. This account doesnt ' even belong to me. 

XXXX XXXX  XXXX Account Number : XXXX You are reporting this account has a " past due '' amount and " balance '' but the payment status shows is " charged off ''. It can not be both. You are reporting ( 1 ) 30 day late payment and the other credit reports do not report any late payments. It can not be both. 

XXXX XXXX Account Number : XXXX You report there is a " Past Due and Balance '' of {$11000.00} but this account is " Charged off '' at the same time. it can not be both. You are reporting ( 1 ) 30 day late payment but XXXX  shows no late payments. It can not be both. 

XXXX XXXX Account XXXX : XXXX You are reporting a " balance and past due '' amount of {$1000.00} but this account is " Charged off '' It can not be both. You are reporting ( 1 ) 30 day late payment but the other credit bureaus report 0 late payment status. it can not be both.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Debt was paid using a check for the amount of XXXX, the apartment company cashed check using ACH and did not turn over the check to the bank, however it clearly states the name of the apartment complex and the amount on the bank statement.

The apartment complex itself was notified and confirmed that it was a mistake due to the transfer of their ownership.

The debt collection agency says that they could not " reach '' the apartment complex and would therefore be unable to take the debt off.
Consumer complaint received 2022-09-25
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. (NC)

Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws. 
Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course XXXX rule. 
Wet Signiture Notarized Legal in the first place
Consumer complaint received 2022-09-25
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. (NY)

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. 
multiple occasions when the accounts information were incorrect and had to be updated. 


accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX  accounts of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights [ 15 U.S.C. 1681 ] section 602 A Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

First of all, the bank 's attorney did not give me proper notice of a court date. As a result I now have a sale date. I am the trustee of my mother 's estate, and I have a cash buyer that contacted me on XX/XX/2023 about wanting to submit a cash offer for my mother 's property, and can close the transaction in 30 days. The estate of XXXX XXXX XXXX. I was told there was not anyone that could speak with me or the buyer until XX/XX/XXXX. The agent gave me conflicting information so I asked to speak with someone that could help me. 

This bank should allow me to explore every possible option until I have reached the sale date. To ignore me during this process when I have hired a real estate agent to handle this transaction for me is unfortunate. If I could do the transaction myself, I would ; but, I can't. 

I can only imagine what others are experiencing. 

Hopefully, I will be able to get a response from someone on this issue.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I set up direct debit to pay off my monthly statement on my Barclays, XXXX XXXX credit card. The XXXX statement was for roughly {$7000.00}. When Barclays debited my bang account, they debited {$9800.00}. They did not apply a return ( which was returned to XXXX XXXX on XX/XX/XXXX for {$3600.00}. When I called them and apply the {$2800.00} to my bank account they said they couldn't and that they would have to mail me a check ( complicated by the fact I had just moved and did not have the correct address on file ). 

I called my XXXX XXXX bank to complain and they backed out the entire transaction ( what Barclays said they couldn't do ). 

The complaint is I set up bill pay to bring the balance to {$0.00} for the month. Barclays in essence overdrew my account {$2800.00} ( pulling {$9800.00} ) for a statement that showed I owed roughly {$7000.00}. Clearly I was not expecting this since no credit card I have ever had has done this.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....