davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am purchasing a used boat. Bank of America has a ships mortgage on the XXXX XXXX title that they have not released. We have tried numerous channels to get a response from B of A with no response. This is a 20 year old loan that we confirmed was paid off in XX/XX/2004. Again, big bank no consequences for no responding to consumers who aren't putting money in their pockets. What can I do??
Consumer complaint received 2022-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

XXXX XXXX XXXX Went online to make payment. Website would not allow. There was a phone number to call. When I called they said my mortgage was sent to a collection agency two months ago due to no payment. 

The website show my payments were made. I have never missed a payment or have been late. They refused to let me to talk to me and said the loan is closed. I also looked to see if they reversed the payments and it showed no payment reversals. 

I called six times and it now just forwards me to a collection agency. 
I keep all statements. The last statement I have is XXXX statement. I go online and download and keep for my records. I went online to try to get the XXXX statement and they have blocked me.
Consumer complaint received 2022-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

I was under a forebarence with my mortgage company, XXXX XXXX XXXX, through XX/XX/XXXX. At the end of XXXX, my mortgage was sold to another company called BSI Financial Services. I called the BSI Financial Services to find out how it would affect my forebarence and wanted to know what my options were. I was told my XXXX XXXX XXXX XXXX  would call me. I explained I was getting delinquent notices. The customer service lady said they were automatically generated and that my file was under review for up to XXXX days but she would have my XXXX XXXX XXXX XXXX call me to explain. I waited XXXX weeks with no call so I called again. I was told my XXXX XXXX XXXX XXXX had been out for medical reasons and the customer service lady would email my XXXX XXXX XXXX XXXX XXXX supervisor and ask her to call me. A week later, still no call. But I keep getting delinquent notices. I'm getting nowhere fast and I'm worried about the delinquencies going on my credit and the bank foreclosing on my mortgage with absolutely NO contact from BSI Financial Services. Please help me.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2022-05-02
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, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$140.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$2500.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$390.00} ) XXXX XXXX XXXX, XXXX - Account Number : XXXX ( {$220.00} ) XXXX XXXX XXXX XXXX - Account Number : XXXX ( {$650.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$370.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$540.00} ) XXXX XXXX XXXX - Account Number : XXXX ( {$750.00} ) *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and 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.
Consumer complaint received 2021-07-08
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. (FL)

Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me. 

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Dear XXXX Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by XXXX. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness. 

I have been a loyal customer of XXXX for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period. 

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on XXXX 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile. 

I kindly request that XXXX take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history. 

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue. 

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution. 

I believe in the importance of maintaining a positive and productive relationship with XXXX, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history. 

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I have been banking with chime since 2019. I have a substantial amount in my savings, spending and credit accounts. I had a legal suit awarded to me in XXXX and chime had advised me how to deposit the amounts in my account. XX/XX/XXXX I received an email that all of my accounts were closed due to fraud. I have not been able to get into my account ever since. Not only are my accounts frozen I cant get into my app to see previous transactions. On a daily basis I have tried to call and email both chime and XXXX but have not had any luck. My life savings is shut off. This is XXXX time as well as end of the year. I need my money! If I had known chime and XXXX would treat their clients in this matter I would never had opened an account with them. I have over {$18000.00} that I am not able to get to as well as scared to death I wont ever get it back. Please help me.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

I noticed 5 unauthorized transactions on my Sofi account ; these are the transactions ; Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX Transaction Id : XXXX My dispute was canceled in 4 days.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OH)

I received information from a apartment company I was trying to rent from stating that I had an unpaid debt on my record, i checked my report and it shows as National credit systems is trying to collect on an unowed debt. I've tried contacting the company and they refuse to remove it even though the state is showing that I don't owe anything. They have bough this debt off of another company who is reporting fraudulent information and has no liens or judgment 's awarded to them. I have requested validation of this debt 4 times and they can not show validation and have even stated that they don't have to show or prove the debt is valid.
Consumer complaint received 2022-02-03
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. (NY)

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX )
Consumer complaint received 2024-02-05
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I purchased plane tickets for my mother in XXXX with XXXX XXXX for travel in XX/XX/2020 to XXXX. XXXX canceled the flights and after much communication, they issue a refund for the New York - XXXX leg of the flight, however, they failed to issue a refund for the XXXX XXXX - XXXX leg of the trip. I opened a dispute with Chase on XX/XX/2020 XXXX Claim # XXXX XXXX and they incorrectly denied it as being authorized. I contacted Chase again on XX/XX/2020 and informed them that the transaction was indeed authorized, but that the issue was that XXXX XXXX  had not issued a refund and that they were not responding to my communications and another claim was open ( claim # XXXX XXXX. Today, XX/XX/2020, I wake up to see that the money of the dispute was once again removed from my account, ( overdrawing me ), and when I checked I see a letter saying that again, Chase had determined that the transition was authorized. This is ridiculous and unacceptable. XXXX XXXX is essentially stealing my money and my only recourse is Chase, and they don't want to help me. I called XXXX as I typed this message, and after waiting 30 minutes on the phone, they now claim that they don't have a record of this transaction, which is ridiculous.
Consumer complaint received 2023-02-14
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX, 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 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 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

on the XX/XX/XXXX XXXX, my chase card XXXX was being used for XXXX and XXXX XXXX while I had the card in my procession so I call chase immediately to find out what was going on the card was then frozen while on the phone the person tried to use the card again for a sum of XXXX at the same location I ask the person on the phone what was going on the stated they were going to look into it and keep me notify by mail I didn't receive any notification. Today around XXXX XXXX  XX/XX/XXXX the charges were reverse charges and the case is close and there is nothing they can do I spoke to XXXX and XXXX the manager on XX/XX/XXXX she stated they send out a letter on XX/XX/XXXX I didn't receive any letter from the chase team. i ask if they needed a police report they stated no
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis (AR)

XXXX XXXX FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her INNOVIS CREDIT REPORT TODAY. THANK YOU.
Consumer complaint received 2024-02-05
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. (NJ)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone number as well as listed below : ( XXXX ) XXXX Once you have deleted the inaccurate addresses, employers and phone numbers from my credit report, please send me a copy of my updated report. 
Thank You XXXX XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an account with Capital One 360 savings and I have over {$2000.00} in the account and they will not release these funds to me or until it " aches '' to the state. Then I have to claim it from the state! I feel like because I have a fraud alert on my credit file because someone tried to use my identity not I them, and because a customer wrote me a bad check that they are punishing me for some reason and they should not be. 

Account Number XXXX Routing Number XXXX Balance as of XX/XX/2020 at XXXX XXXX  PST {$2000.00}