davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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. (NJ)

I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and XXXX ON XXXX are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the 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 makes your reporting of this account Inaccurate. 


Both XXXX XXXX and XXXX XXXX XXXX  are inaccurate and must be removed.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NJ)

My account as of today is currently negative {$430.00}. Before it reached this amount I called the bank and asked if they would reject any incoming payments since the account was negative. The rep said they mostly do besides ACH payments- they typically go through. 

I told her I didn't select the overdraft protection because I wanted to avoid digging myself deeper in a hole when I have limited funds. This will only hurt me when I get paid again when I'm trying to survive! 

It doesn't hurt the bank to deny these payments, it just leaves it up to the customer to figure this out on their own. Why have the option to allow us to opt in and out but you ultimately are making the decision for us?! 

XX/XX/2022 is when the account went negative : Pending XXXX XXXX XXXX XXXX CA. Misc. debit - {$2.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$25.00} - {$420.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX  : XXXX Fee - {$34.00} - {$400.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$27.00} ITEM - DETAILS : XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$360.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$130.00} ITEM - XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$330.00} XX/XX/2022 XXXX XXXX XXXX XXXX ID : XXXX ACH debit - {$12.00} - {$300.00} XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$27.00} - {$280.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX. XXXX. XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$130.00} - {$260.00} XX/XX/2022 INSUFFICIENT FUNDS FEE FOR A {$110.00} ITEM - XXXX : XXXX XXXX XXXX PAYMENT XXXX WEB ID : XXXX Fee - {$34.00} - {$120.00} XX/XX/2022 XXXX XXXX ONLINE PAYMENT XXXX WEB ID : XXXX ACH debit - {$110.00} - {$86.00} I recently had the same thing happen with my other bank XXXX XXXX XXXX XXXX XXXX. Literally the same freaking thing. The difference between the two banks is XXXX recognized that I didn't have over draft protection and refunded the fees they charged me. I can provide proof of this as well.
Consumer complaint received 2022-06-17
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. (LA)

In accordance with Fair Credit Reporting act XXXX XXXX account number 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.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-17
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. (LA)

In accordance with Fair Credit Reporting act XXXX XXXX account number 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.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/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 an account without my written instructions. 

Date XXXXXXXX XXXX XXXX Account # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (GA)

I have submitted documents to proof the virtual debit card is in my name, the company refuses to give me back my money I deposited, i have work with them and they have costed XXXX in lost trades. I have been frustrated, wages lost, because of my money being held. 

I have submitted the ORGINAL bank statement from the XXXX that they gave me and the refuse to lift my account restriction.
Consumer complaint received 2018-11-10
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: Midwest Recovery Systems (SC)

XXXX XXXX has notified me on XX/XX/18, that there has been a collection placed in my credit report from Midwest Recovery Services with a balance of {$7000.00}. This company has not provided me with account information in writing to dispute. Company hasn't notified me by phone or in writing. This account does not belong to me. I request this collection to be removed from all 3 credit bureaus. 

Thank you
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (MN)

Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. Thank you, XXXX XXXX
Consumer complaint received 2021-03-05
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (HI)

Wells Fargo dealer svc account has been closed previous year a derogatory note has been put on my credit XX/XX/2023 account has been closed since XX/XX/2XXXX XXXX
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (IN)

Back in XXXX of 2014 I sustained a XXXX injury and was taken to XXXX XXXX  at XXXX XXXX XXXX, XXXX FL XXXX. They stitched me up and presented me with a bill. At the time I was on hard financial times and very short on money. On XX/XX/2014 I personally visited the accounting/business office at this same location to make an offer of full and complete settlement for any and all charges due, in cash, that was accepted. I have a paid receipt signed by XXXX XXXX, Cashier at XXXX   XXXX  marked XXXX Bal Due in her handwriting. In turn XXXX XXXX has referred the ENTIRE AMOUNT out for collection multiple times. I have disputed this on my credit reports and had it removed multiple times. They have now sent it out again. After over 4 years of this nonsense I have had enough. 

What they have done constitutes Civil Theft. They took my money then came after me for the full amount. 

I will appreciate your kind assistance to resolve this matter. 

XXXX XXXX XXXX
Consumer complaint received 2018-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NJ)

The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. 

Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. 

Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BSI Financial Holdings, Inc. (AZ)

I made a large payment to my loan ( {$8100.00} ), but not the entire loan in preparation of paying it off. BSI received my payment on XX/XX/22, sat on it for a week and then cashed it on XX/XX/22. With every other payment that I make through the same XXXX channel, they take my payment and apply any overpayment towards principal. I called BSI multiple times and seemed to get a different story each time I called. One person would tell me it should be applied in a couple of days, then someone would tell me to wait longer, then someone would say it is delayed because it was a large payment, then I was told it they were sending it back because I paid too much. I asked for a supervisor and was told someone would call me back. Nobody called. The next time I escalated, I was passed to a voicemail. Again, nobody returned my call. Meanwhile, I am paying interest on the loan and they are earning interest on my payment This is highly unethical given the run around and refusal to apply the payment towards my principal. I simply want all additional interest accrued from XX/XX/22 until this loan is resolved to be credited back to me. Anything less is highly unethical.
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: National Credit Adjusters, LLC (MS)

XX/XX/2021 {$470.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
Consumer complaint received 2022-02-24
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. (IL)

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. Experian, XXXX, and XXXX continue to report this as a paid collection instead of deleting.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Since XXXX my family has been dealing with Capital One in regards to a payment that was made to a car dealership that OWNS a car. They have the title and they are listed as the OWNER of the car in questions. Capital One states that they can not take a verbal confirmation for the XXXX XXXX XXXX XXXX New Jersey stating that they dealer is the owner. Instead they state that they need something in writing. Rather than ASK the dealer for a copy of the TITLE, they are asking me, which by STATE law I can not get. 

This has been going on for months and capital one refused to ask the dealer who they have paid for the title. A simple phone call. 

As a result the dealer has ownership of the car and my money. As this while I am stuck without a car to take my XXXX month old baby to doctor appointments.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Open Date XX/XX/2018 Balance : {$500.00}
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX  Balance : {$260.00} 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 2022-06-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably.

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have informed Transunion that 2 accounts on my credit file XXXX/XXXX  in the amount of {$1500.00} and {$1000.00} do not belong to me. I have sent Transunion a copy stating that I had nothing to do with these transactions and have not benefited from them at all. I have notified Transunion that the information is a result of identity theft, I have filed an identity theft report and gave Transunion a copy, I have provided a statement that the information relating to any transaction concerning the above mention account is not related to me. Yet Transunion failed to block this information and investigate.