davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I submitted an initial dispute letter via certified mail ( Tracking # : XXXX ) to TransUnion about fraudulent inquiries that were not authorized by me and they did not remove the inquiries from my account. I then sent a follow up dispute letter on XX/XX/XXXX via certified mail ( Tracking # : XXXX ) and they still have not removed these unauthorized inquiries. 
Please remove inquiries listed below : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX 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
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I don't know what companies are involved. This could possibly be from the Experian data breach. I received a letter from the IRS alerting me of an Employment related Identity Theft Notice. They believe another person used my SSN to obtain employment. They sent me the notice to make me aware of the incident so i can take appropriate steps to protect myself from any potential effects of identity theft. They placed a marker on my tax account to identify that i may have been a victim of identity theft. I was referred to your site by XXXX instructing me to submit a complaint. I have also submitted a complaint to the FTC. All of my accounts have been flagged. I would appreciate any further information you can provide. 

Thank You, XXXX XXXX
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, C/O RESURGENT CAPITAL SERVICES XXXX   XXXX XXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX  XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I am the co-signor on my son 's student loan and keep getting harassing phone call s from Navient that are down righ t disrespectful and annoying when you are trying your best to pay. Each day, I get at lea st six calls from Navient. O n  XXXX   XXXX ,   XXXX  , the phone calls started at  XXXX   XXXX   XXXX   CST and by the end of the day I ha d 13 roboca lls from  six di fferent phone numbers. On  XXXX   XXXX ,   XXXX  , I h ad seven  robocalls. However, I spoke to a representative and stated to them that I had just made a paymen t two weeks pr ior and that I would not be able to make another payment for a couple of weeks. It 's not like we are not paying the loan. The loan was taken off of interest only payments and went to full payment and my son is not able to make these full payments due to cut in hours by his job. They told him that they would n't be able to help him until the full amount is caught up. He is in a no win situation with this company when you ask for help in your payment. It seems like you would take something instead of getting nothing. It 's difficult for any person to have to make a decision on paying rent/food or paying for your student loan. On top of that, you have to deal with rude and obnoxious customer service representative that NEVER place your comments in their notes. It 's got to be a better way to deal with this problem. We know that we have this debt and are paying the best way that we can until my son 's financial situation gets better. PLEASE STOP THE HARRASSING PHONE CALLS!!!
Consumer complaint received 2023-04-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filing this complaint against Bank of America for inaccurately reporting a late payment on my credit report. I have never been late on any payment for this account, and I believe this inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( A ) ( 1 ). This section states that 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 information is inaccurate.

I have already disputed this inaccurate late payment with the credit bureaus, but the issue remains unresolved. As a result, I am seeking assistance from the CFPB to address this matter and ensure that Bank of America corrects the error and updates the information with the credit bureaus. The inaccurate late payment appears on my credit report as follows : Account : Bank of America Date of Reported Late Payment : XX/XX/2023 I kindly request that the CFPB investigate this matter and facilitate communication with Bank of America to resolve this issue promptly. I am committed to protecting my credit and ensuring the accuracy of my credit report, as mandated by the FCRA. 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have a business and a personal account with Chase, and they have caused me to become negative in my account with their overdraft fees, monthly charges and adding charges that I disputed several months later. I had several items that were charged to me that should have never been taken out, so I filed a dispute with Chase. They gave me my money back, then they would call me and tell me that everything was fine and they would inform me if any further information will be required. Several months go by, and I thought everything was fine, than out of no where they charge me a ton of debits from those items that I should have never been charged. I tried to call, and I am on hold for hours. Finally, once I was able to get a live rep, they tell me that I can no longer dispute it because I did not contact them back in time. I tell them how I did call, on several occasions, but the Chase dispute rep. tells me sorry I have to now pay the charges even they are not mine and I have to pay any overdraft charges.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I paid off a mortgage with Fifth Third Bank, XXXX, Ohio. 

They received the payoff on XX/XX/2016. There is additional funds due me thru Escrow and Principal. Called the company to find out why this money has not been forwarded to me and I get some excuse of waiting 10 work days before they can send out the money due me. This is my money not the bank I expect this money to be refunded to me asap and now with interest. They charged me interest on their money and now I am charging them interest on my money. Why are banks allowed to get away with keeping other people 's money. If it was there money, the bank would want it that day.
Consumer complaint received 2024-02-09
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. (UT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX Account name:XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Accont name : XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 information is inaccurate.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA. XXXX To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


TransUnion Negative Addresses To Be Deleted XXXX XXXX XXXX. 
XXXX XXXX, Mo. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Negative Accounts To Be Deleted XXXX XXXX {$440.00} XX/XX/XXXX TransUnion Negative Inquiries To Be Deleted XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I contacted the Loan Servicer XX/XX/2019 and said I was having difficulty paying my Mortgage and need to apply for assistance. I was due XXXX, XXXX & XXXX at the time and I sent in my application. I was declined and I thought from the decline letter they didn't calculate my income. So I sent in the income again and additional income ( social Security XXXXncome for My Children ). I got another decline letter so I sent an email to the escalation department. I was declined again for NPV. My Origination Loan was a Texas Section 50 ( a ) ( 6 ) and I looked up FNMA Guidelines and It says I qualify for a Fannie Mae Flex Modification for Texas 50 ( a ) 6 ) Mortgage Loans. The decline letter states 186 remaining and they could of extended the Term 360 or 480 but did not. In All 3 decline letters they did not even send a Repayment plan offer. Today I called them and they said they can only do a repayment plan if I pay 6 full payments, that would be  XXXX thru XXXX and leave the XXXX Payment due. I do not consider that a repayment plan, that is reinstating the loan. I want to keep my home and I do not think they are following guidelines to offer me a modification plan to stay in my home.
Consumer complaint received 2023-04-10
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. (TX)

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. XXXX has since deleted both of the accounts because they could not be verified so how is XXXX and Transunion still reporting these accounts? Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. 
To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. 
XXXX is still reporting the amount owed of {$2700.00}. 
XXXX is still reporting and XXXX is still reporting. 
NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX   XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.
Consumer complaint received 2023-04-10
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. (TX)

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AR)

This company CREDIT COLLECTION SERV which I have NO CONTRACT nor have I received services from reported a collection Account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX XXXX reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NY)

I am being DENIED my legal right under MASTERCARD rules and regulations file a dispute on the following charges here are the Transaction ID 's : XXXX, XXXX, XXXX within the allotted 120 days. 

So to summarize, I am being barred from filing the transaction dispute in the resolution center so I am coming to CFPB ( Consumer Financial Protection Bureau ) to timely alert and file my dispute on these charges that do fall within the 120 day Mastercard window and also the 90 day window provided by law. 


" Regulation E mandates that provisional credit be offered within 10 days of a disputed charge and while offering a TIMELY PROVISIONAL CREDIT to account holders is crucial to improving customer experience, not all situations call for immediate provisional credit. ''
Consumer complaint received 2023-04-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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