davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. I expect transparency, reliability, and prompt action in addressing such matters. 

However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove these fraud items in my credit file : 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
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (WA)

I got a consolidation loan from PenFed back in XX/XX/XXXX. I missed quite a few payments on this loan but applied for a hardship application and had my missed payments bumped to the end of the loan. In XXXX I went with a Debt Consolidation company to pay off my debts. I was told that once I went with this company I can no longer make payments straight to Penfed and that those payments would have to come from the company and my previous agreement with Penfed is now terminated. I didn't stay with that company long but made an agreement with Penfed that let me keep my payments at the lower payment. Long story short I have been making {$500.00} payments since XX/XX/XXXX. My balance since XX/XX/XXXX was {$23000.00}. Today my balance is still {$23000.00}. I have missed quite a few payments during that time but for almost the last XXXX years I have made my payments on time and nothing has changed. I don't know how this is possible. When I look at my statement my payments are going to finance charges and the insurance debt protection. Which was canceled back when I went to the debt consolidation company. Some months my payments goes to just finance charges other moths it goes to finance charges and this insurance, I don't understand for the life of me how none of my payments are going to the principle.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NH)

Received a letter from TD Bank on XX/XX/XXXXstating that I was {$34.00} short in my XXXX payment, and needed to pay by XX/XX/XXXX to avoid late fees.

I called TD on XX/XX/XXXX and paid the {$34.00} over the phone. I also told the TD Rep, XXXX XXXX, that the letter had arrived after the payment was already due. Furthermore, I pointed out that every other mortgage company I've ever dealt with has sent a letter to let customers know when the monthly payment changes, and has done so once per year, at most. TD has now twice changed the monthly amount due within a 12 month period, and did not send a letter either time. I have automatic payments set up, and I don't change them until I receive a letter that the amount due has changed. I asked that Mr. XXXX put in a request that the late fee be waived.

Received a statement in XX/XX/XXXX showing that I now owed over $ 10K because my late fee made my payment inadequate, so that 2 months of payments were in unapplied funds now. I called TD and in the course of the conversation, it became clear that the {$34.00} I had paid was not applied until XX/XX/XXXX, even though TD claims payments are applied in one business day and I had paid on XX/XX/XXXX, a Tuesday. We were told that the fee of {$190.00} had been waived, and everything should be OK now.

Received at letter dated XX/XX/XXXX stating that we still had not paid {$34.00}.

Called again and were told that everything was ok and that there would be no more fees.

Received a statement saying that we owe {$5200.00} including a new fee of {$190.00}. Furthermore, the unapplied funds were seemingly due to this newest late fee.

Called TD Bank today ( XX/XX/XXXX ) and spoke to XXXX XXXX who says that different systems are showing different information for our account and she will send the matter to research. She offered to update us next week.

In short, TD Bank continues to delay applying funds and then to charge late fees, which then cause the next month 's payment to be considered a " partial payment '' which results in funds not being applied yet again, and more fees. It is a vicious circle that benefits TD and swindles the customer. Trying to resolve this with TD only results in long wait times on the phone, more conversations that lead us to believe everything is settled, and then additional letters and statements telling us that our payments are deficient.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX XXXX. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX credit card XXXX charge off 5XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX  of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.
Consumer complaint received 2021-05-11
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: CBC Companies, Inc. (CT)

I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX/XXXX/2015 receied call from XXXX claiming to be from the XXXX Law Firm, calling on behalf of XXXX XXXX to collect an old debt. I explained the debt was discharged in Bankruptcy court XXXX years ago but he didnt want my lawyers information. 
He threatened me with IRS issues and said he was investigating me for a criminal act. 
called # back and got voicemail. XXXX search shows this info : XXXX Law Firm, XXXX XXXX XXXX, TX XXXXPhone : XXXX. I called # ending in XXXX and reached same voicemail as the # of the dept collector XXXX. Didnt have my address but wanted it. After not getting info he hung up on me.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sensible Auto Lending, LLC (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SENSIBLE AUT XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX  XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX  XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX. 
Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XXXX of 2021, the XXXX XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The XXXX XXXX agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, XXXX, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on XXXX and XXXX. However, as of today it is reported late again on both XXXX and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I received a direct deposit form with an incorrect account number for my employer. On XX/XX/27 my first paycheck was deposited in this account for the amount of XXXX. Today was my last attempt to recover those funds with the bank manager of XXXX XXXX Chase Bank, XXXX XXXX, XXXX XXXX XXXX XXXX is the Manager phone number XXXX. She is taking the matter up with her executives.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have mailed and faxed 4 different times my fraud affidavit and each time i have been told that they did not receive the documents. i have provided tracking numbers showing that it was and they ask that i send through the mail again. this is the last attempt at correcting this before i seek damages for not adhering to the FCRA and removing inaccurate fraudulent information from my report.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (OH)

I had 2 bills ( XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX  XXXX. I made payments on the debt until the the balance was paid off. I received statements that the debt was paid in full. FIRST FEDERAL CREDIT, continues to insist that I still owe {$25.00} for to XXXX  XXXX, but has never called me, return my call or has sent me a bill to pay. The account number they are referencing is XXXX, however the 2 bills I paid in full are acct # XXXX & XXXX. In addition the amount they say I originally owed is {$640.00}, which is the amount that XXXX  XXXX has stated I paid in full. I have disputed this 3 times and each time the XXXX XXXX XXXX says that it is mine and has not had to provide proof. I have proof that both of the above accounts were paid in full and I would like this derogatory removed from my credit filed.
Consumer complaint received 2023-09-10
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: Experian Information Solutions Inc. (IN)

I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. XXXX XXXX XXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report. 
2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AL)

All three credit bureaus are reporting me late on closed accounts with Chase and XXXX XXXX which is incorrect. Ive disputed with each credit bureaus and the only one that has responded was XXXX but I didnt receive the requested documents showing where I was late from the credit cards reporting the late fees. I also called the creditors and XXXX is fixing the issue still havent heard back from Chase. Please remove the late payments or send documents from the creditors proving when I was late.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

XXXX and Experian wrote stating that XXXX XXXX and XXXX XXXX court verified a bankruptcy on my credit file. There is no said bankruptcy on my XXXX XXXX report and the court house does not report to 3 rd party vendors. XXXX and Experian failed to investigate by contacting XXXX XXXX.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (WA)

XX/XX/2021 : Filled out the paperwork for our XX/XX/2021 first payment with homepoint financial after our refi. Requested Flex pay, meaning half the payment came out the XXXX of the month and the XXXX half the XXXX. Was told after calling several times everything was setup. 
XX/XX/2021 : XXXX full house payments where drafted from our account. I was told i couldnt get a refund on the second house payment for XXXX business days. I decided we would just pay XXXX and XXXX. I was told XXXX autopayment was setup for XX/XX/XXXX for our full house payment. 

XX/XX/2021 : A refund for the second house payment in XXXX was given with no notification to us. 

XX/XX/2021 : Received a notice our XXXX payment was late. Called and explained, and asked why I received a refund and no one let me know. They didnt have an answer. Paid XXXX and made use XXXX auto draft was setup for XX/XX/XXXX for full house payment. 

XX/XX/2021 : Nothing was drafted from our account on XX/XX/XXXX. I called and made the payment and confirmed auto pay for XX/XX/XXXX and was told this would be resolved. 

XX/XX/XXXX : No payment was drafted and issue still not resolved and XXXX didnt call me back with an update.