davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from 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  with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I recieved a loan from my bank this past month to pay off all debts. XXXX XXXX XXXX excepted and closed my account as well as XXXX. Diversified consultants inc. Returned a bank issued check TWICE to a debt that I know is not mine, never had XXXX. They want to all of a sudden come up with a XXXX$ ammount being owed from a place I never did buisness with and now after failing to except TWO bank issued checks and numerous attempts to get this off my credit report nothing has been done. They say this debt is 3yrs11months old. I NEVER HAD XXXX. And they do nothing to resolve this. As I stated for credit reasons my bank sent them 2 checks on my behalf they declined on. Like they don't want to take my money. Which is good because it's not my debt, but when I call they sure want my credit card info. They keep disputing my disputes, I've seen NO proof this is even a valid debt, because its not. I just want them off my credit report and to stop scamming people. Thank you
Consumer complaint received 2019-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (OH)

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On X/XX/2017 I filed a complaint against Cap One for illegally reporting an account to my credit. The CFPB # was XXXX. On XXXX XXXX XXXX Cap One admitted they were at fault and sent me a letter ( attached ) saying so and that they would no longer do anything with it and remove it from reporting due to their incorrect reporting. I just checked my credit again and it is still there. They need to follow through and do what they are supposed to ASAP AND DELETE IT FROM ALL BUREAUS!
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I started a new job on XX/XX/2022. I have elected direct deposit to my Bank of America checking account, however the first payroll amount was issued as a paper check. I made a mobile deposit of the check on XX/XX/2022. 

Initially, Bank of America placed a hold on the check until XX/XX/2022. This was inconvenient but was understandable as the amount of the check was {$2500.00}. 

Today, I checked my account and found that Bank of America has now placed a hold on the funds until XX/XX/2022. I made contact with Bank of America via telephone. The representative, XXXX, was unable to provide an explanation for the delay in processing the deposit. I was transferred to a supervisor, XXXX, who indicated that the extended hold time was due to " risk factors '' regarding the deposit. She declined to provide an explanation of the risk factors involved in the decision to hold the funds for an additional period of time. 

I explained that the check is issued by a national payroll processing company, XXXX, and further stated that I have not ever deposited a check which was returned to the bank unpaid. She continued to state that the check is on an extended hold because the amount exceeds the balance of my account. She advised me that the procedure is for " my protection '' to avoid overdraft fees in the event the check was returned unpaid. This excuse does not make sense as I will incur various late fees resulting from the delay in processing the deposit, and as such I will be unable to make timely payment of my bills which are due before the funds will be available on XX/XX/2022. She declined to provide any further assistance regarding the availability of the deposited funds. 

I am aware that such transactions are now electronically cleared and the extended hold time is not warranted or necessary in today 's banking environment. It is my belief that Bank of America has acted in a discriminatory manner based on the amount of funds currently in my account. How can I possibly increase the amount of available funds if Bank of America will not make my payroll check funds available?
Consumer complaint received 2019-05-09
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. (NV)

My name is XXXX and I just had my XXXX  XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Consumer complaint received 2019-05-09
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: JPMORGAN CHASE & CO. (MN)

Dear XXXX Im writing to file a complaint I have been disputing chase bank accounts XXXX XXXX I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 2 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these Two accounts ASAP FCRA VIOLATION
Consumer complaint received 2017-06-20
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. (TX)

I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (MD)

On XX/XX/2018, I received an alert that a collection from XXXX XXXX XXXX placed a collection on my account. I was not given the right to dispute alleged debt and was not properly notified of any debt before it was placed on my credit report. this appears to be a medical debt and is a violation of my HIPPA right because I did not give XXXX XXXX systems access to my medical accounts. 

This account needs to be taken off my credit report immediately and XXXX needs to give me validation that this debt is mine meaning a signed contract I have with XXXX stating I utilized their services.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WV)

For over two years, Equifax has continued to report a one time past due mortgage payment in the amount of {$600.00} from XX/XX/2016. Im not sure if the other two credit bureaus have reported the same. I cant get that information in time. I have repeatedly let Equifax know through their online dispute process that this payment was not late. I spoke with the bank two days  ago and confirmed that fact. During the process for my FHA loan, this erroneous information has caused a significant problem. This erroneous information has also significantly impacted my credit score costing me both loan opportunities and higher interest rates. It must be removed.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc. (GA)

I opened an account and secured a {$500.00} loan with MoneyLion Inc. in XX/XX/XXXX. I called MoneyLion Inc. on XXXX advising due to a family emergency, fraudulent activity causing XXXX XXXX to close my checking account ending in : ( XXXX ) which created a personal hardship, I could not continue to make the monthly payments coming from the now closed XXXX account. I was advised : " No problem, we will deactivate your account until your financial situation has improved and you can resume payments to MoneyLion. In mid XX/XX/XXXX I logged into my MoneyLion mobile account, finding a message that a payment was scheduled to be withdrawn on XX/XX/XXXX XXXX from the closed chase account. I filed complaint number : ( XXXX ) on XX/XX/XXXX with CFPD, received an email on XX/XX/XXXX stating CFPB did not have jurisdiction over local, state or federal government agencies. MoneyLion Inc. does not fit any of these. MoneyLion Inc. is a private, independent company founded in XXXX by XXXX XXXX of NY, NY, who remains CEO. MoneyLion Inc. offers diversified financial services. The mailing address for MoneyLion Inc. is : ( XXXX. XXXX XXXX, XXXX, Utah XXXX. The customer service phone numbers are : ( XXXX or XXXX ). The email address : XXXX ). I have contacted MoneyLion Inc. multiple times to resolve this matter to " NO '' avail. Moneylion did  attempt to withdraw funds from the closed XXXX checking account, now charging me {$23.00} for NSF fees after being advise the XXXX account was closed. MoneyLion Inc. has reported late payments of more than 30 days to the three major credit bureaus. I would like this account with MoneyLion Inc. closed and finalized.  Respectfully Submitted ...
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

To CFO : NAVIENT Student Loan has fraudulently used my Social Security MORTMAIN VESSLE account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and NAVIENT SOFTED pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and NAVIENT still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to XXXX for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. XXXX XXXX, XXXX is reporting a account that is not affiliated with me. I requested a notification letter from XXXX XXXX through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore XXXX XXXX DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account please.
Consumer complaint received 2024-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I monitor my credit carefully and discovered a fraudulent collection on my credit report. When I tried to use the Transunion website, it wouldn't take my credentials, so I couldn't log onto my existing account. When I called the customer service number provided, the rep told me I needed to re-register a new account. So I created a new user name and passowrd, but was locked out of the website after trying to log in again. 

When I called Transunion a second time, they asked me to use a different device and web browser. I told them I didn't have a different device, but I would use XXXX  browser. They unlocked my account, then we spent 30 minutes while I tried to use my new username, and had to change my password ( with 2-step authentication via email ) several times. While on the phone with the rep, I was locked out of my account and she had to reset it twice. Eventaully she said I need to make another account from scratch. 

When I made a third account, I navigated to the " Dispute '' page, where I found no button or link available to file a dispute. The three clickable links on the " Dispute '' page link to various FAQ pages, or attach a general statement to their report. No ability to select specific inaccurate reports to dispute is available. 

Transunion 's unacceptably convoluted and lengthy login process aside, my complaint is that consumers are not able to submit disputes to their credit report, dispite Transunion 's assertion on their dispute page. 

The complain I am filing is that Transunion is fraudulently misrepresenting the consumer 's ability to dispute reports on the Transunion website. This charge can be verified within seconds by anyone with a Transunion account : https : //service.transunion.com/dss/dispute.page?
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: States Recovery Systems, Inc. (CA)

States Recovery System continues to, despite my demand for them to cease, contacting my employer. 

State Recovery System was informed by telephone on XX/XX/XXXX, and again on XX/XX/XXXX, that my employer prohibits personal calls ( specifically relating to debt collection ). Specifically, on both of the above dates, State Recovery System 's representative XXXX XXXX was told this and also informed that calling my employer ( with knowledge ) of the prohibition is a violation of Section 805 ( a ) ( 3 ) of the Fair Debt Collection Practices Act. 

States Recovery System again, on XX/XX/XXXX, at approximately XXXX XXXX contacted my employer. 

States Recovery Systems violated FDCPA Section 804 ( 5 ), by informing my employer of their business name, i.e. " States Recovery Systems '' which connotes the call was related to the debt collection business, and the call relates to the collection of a debt. 

States Recovery Systems ' conduct is harassing and abusive. This is the exact conduct prohibited by the FDCPA, and because it has been repeated with directly knowledge of the violation, it is therefore reprehensible.
Consumer complaint received 2023-03-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

who is XXXX  who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken
Consumer complaint received 2022-03-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

My name is XXXX and I just had my first XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP (OH)

On XX/XX/2018, US bank closed my savings account and issued me a check for the amount of XXXX. I received and lost the check. On XX/XX/2018, I made a Declaration of Loss for that check. US bank had 90 days to re-issue me another check but never did. Since then, I have visited the bank 's branch on many occasions and called them countless times but everyone says that they are not able to help me because they don't know which department is responsible for issuing that check,