davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-08-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : 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 2021-04-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (LA)

My name is XXXX XXXX and I bank with chime my unemployment went in my account and they froze my account with over XXXX I been writing & calling them they said they was gone send me a check & never did this been since XXXX
Consumer complaint received 2023-01-11
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 update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX on my credit reports with Equifax and XXXX. The inaccurate reporting by XXXX XXXX has led to significant discrepancies in my credit reports, negatively impacting my creditworthiness and financial standing. 

The account in question, XXXX, has been reported differently by Equifax and XXXX. Equifax reports the account as being 120 days late, while XXXX reports the account as being charged off. Additionally, there are discrepancies in the reported balances, with Equifax reporting a balance of {$1000.00} and XXXX reporting a balance of {$1000.00}. Other discrepancies would be the reflected 90 days late. Equifax is reflecting two separate dates XX/XX/2023 & XX/XX/2023, and this is inaccurate and harmful to my creditworthiness. 

Furthermore, there are inconsistencies in the reporting of payment history. Equifax reports a good standing payment history for XX/XX/2023, while XXXX does not report any payment history but reflects the account as charged off. 

I do not believe that this information is accurate and am requesting documentation to validate the accuracy of this account. Verification must be provided in the form of an original agreement or contract signed by myself and an officer of XXXX XXXX. Without proper validation, I can not accept the accuracy of the reported information. 
I demand that Equifax and XXXX conduct a thorough investigation into this matter and provide me with a written response detailing the actions taken to rectify these discrepancies within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I also demand that any inaccurate information be promptly removed or corrected from my credit reports. Since XXXX is reflecting that this account is charged off, I am demanding the 1099c ( cancellation of debt ) form from the IRS that reflects this accuracy. If this information can not be validated as true, then this account is fraudulent and this account must be deleted. 

Equifax is reflecting this account is open and late while XXXX is reflecting this account is closed. This is another inaccuracy. 

Failure to comply with my request and rectify the inaccuracies in a timely manner may result in further legal action to protect my rights under federal law.

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 information is inaccurate.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

At some point my identity was stolen to purchase a XXXX XXXX in Illinois using an Illinois address, I have never purchased a XXXX XXXX from XXXX nor have I lived in Illinois. I have brought this to the attention of CONVERGENT OUTSOURCING but they have not responded or investigated and only rubber stamped their own verification. It is horrible to be the victim of identity theft and it is made worse when people affect your credit and come after you for things other people stole.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I received my pay check direct deposit on XXXX it is now XXXX the bank has not processed the direct deposit and it is just sitting there in limbo. They have not made those funds available to me. As I understand those funds should be available next business day.
Consumer complaint received 2023-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

I started the Loan Mitigation process in XXXX, after a bout of XXXX that put me behind on all my bills. I was assigned a point of contact, who reached out to me in XXXX. I provided all documents through their online site and then again directly to the contact since it kept stating that it hadn't been received. All my documents were uploaded, and marked complete. Since that time, I've tried to contact my contact but emails come back as blocked ; calls are not being returned. I have also submitted emails to the Shellpoint mtg and NewRez mtg contact emails with botmails stating someone will be with me within 5-7 days. My point of contact is XXXX Then yesterday some person came to my house and left an envelope with my son stating that I needed to contact them since my payments were behind and that it had been reported to the credit bureau. 

I have done everything but am being blocked out and then told I need to take steps to address this.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

Chase. I paid off my account waited a week to make sure nothing was wrong called up to close my account making sure there were no interest they said there wasn't so I closed my account and they mailed me a check of the over I had in there then they decided I owe money with no notification and forgot to tell me when I called them to explain the XXXX up they had no answer and I asked how is this my problem they didn't have a answer and never bothered to call me back
Consumer complaint received 2018-07-19
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX

5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

This is the second time I'm opening a complaint about the same problem, previous complaint XXXX. It has been 2 months since Citibank blocked my account for no reason and returned all my automatic debits and disappeared with a transfer of {$1000.00}. Now I am being charged for the fees and fines caused by an error that the bank has already acknowledged and assumed but which has not yet complied with the agreement. I am contacting the bank but they do not respond to my emails and my account is still negative.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (GA)

On XX/XX/2018, second dispute letting Equifax Credit Reporting Agency know that I was a victim of Identity Theft, After submitting the proper support documents according to FCRA 605b.and waiting for the dispute to be updated, this agency continues to report this erroneous public record.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have the Capital one Venture XXXX credit card that offers {$300.00} annual in statement credits if one makes travel purchase from Capital One travel portal. I made the necessary purchase needed to qualify for this benefit on XX/XX/XXXX. 

Capital One promises to credit the {$300.00} benefit within XXXX business days but they say it can up to XXXX billing cycles. It has been more than XXXX billing cycles at this point at Capital One has not credit me back the {$300.00} in statement credits. 

I have followed up multiple times with their customer care and each time I am given a new date but there has never been any follow-ups from Capital one on this matter. 

The first time I raised a complaint about this issue was XX/XX/XXXX. Capital One assured me that they would respond within 10 days. Since I did not hear anything from them, I called again on XX/XX/XXXX and they promised to rectify the issue by XX/XX/XXXX. When I did not hear from them by XX/XX/XXXX, I followed up again on XX/XX/XXXX and they were not able to provide me with any resolution to this matter.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (FL)

On XX/XX/2018 I located a debt being reported to all three credit bureaus by JH PORTFOLIO located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Via certified mail, I made contact with the company requesting a validation of debt. This was mailed on XX/XX/2018. Please see provided documents for proof of delivery. As of XX/XX/2018 I did not receive correspondence from JH PORTFOLIO in reference to my alleged account with them. I mailed a second letter via certified mail on XX/XX/2018 advising them they failed to validate the debt and demanded a removal of inaccurate information from my credit report. As of this date the information has not been removed and I am requesting assistance in having the inaccurate information removed. Please see attached forms for exact letters mailed and certified mail receipts
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a XXXX XXXX credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
Consumer complaint received 2018-07-19
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. (IN)

XXXX XXXX XXXX is reporting negative on my consumer reports with Experian and XXXX. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later XXXX and Experian put it back on my report driving my score down. XXXX and Experian sent me a report stating that the accounts were verified. XXXX do not have any reporting they just have the account as a bad debt. Experian has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. Experian and XXXX did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
Consumer complaint received 2023-04-06
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-19
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)

On XX/XX/2018 my bank account of 25 years was compromise. XXXX XXXX XXXX XXXX. Someone got my bank information and overdraw my checking account by ordering fraudulent merchandise with my account information. I noticed a few days later recent inquiries on my credit report for credit. That I did not authorize. As I was reviewing the recent inquiries I also noticed a few older that I didn't recognize. I have not applied for credit and these are all fraudulent and linked to whomever stoke my banking information. I had to file a fraud affidavit for my bank. And police report. To get my money back. These inquiries are fraud. Who will apply with the same creditor the same day.
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MO)

I was never sent any initial written communication to be notified of this debt/ to dispute this debt. By law I am given 30 days to depute before a debt is assumed correct and that was never given. This was then reported on my credit without notice.
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

Dear Sir/Madam, I am writing to file a formal complaint against CACi for their apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and their failure to address my concerns regarding a debt that has been reported on my credit report without any prior notice. 

On XX/XX/2023, I messaged CACi after discovering an unrecognized debt on my credit report. I called them to open a dispute and request an itemized bill. I was unable to reach any managers, but a representative informed me that I would receive a callback. Later, I received a call and was instructed to send an email to [ company email address ] and was assured that I would receive a response within 72 hours. To ensure my concerns were addressed, I also submitted a request via their website. 

It has now been over 30 days, and not only have I not received any response to my emails or dispute request, but the debt is still being reported on my credit report. I believe CACi may be in violation of the following sections of the FDCPA : Section 809 ( a ) : Validation of Debts CACi failed to provide any written notice containing the amount of the debt, the name of the creditor, and a statement that, unless the consumer disputes the validity of the debt within 30 days, it will be assumed to be valid. 

Section 809 ( b ) : Disputed Debts Upon my dispute, CACi should have ceased collection of the debt until they provided me with the requested verification. They have not only failed to provide verification but have also continued reporting the debt on my credit report. 

I kindly request that the CFPB investigate this matter and take appropriate action against CACi for its apparent violation of the FDCPA. I also request that the debt be removed from my credit report if it is found to be invalid or if CACi continues to fail to provide the necessary verification. 

Please find enclosed copies of my correspondence with CACi as evidence of my attempts to resolve this issue. 

I appreciate your attention to this matter and look forward to your prompt response.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year and in XXXX with no response. There were multiple accounts that had been broken up into smaller amounts ranging from {$25.00}, {$75.00}, {$470.00}, {$260.00} and etc and the bureaus deleted for lack of verification It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX XXXX XXXX.The account was deleted from the credit bureaus again last month due to not being able to verify yet it was re-inserted on my reports without me being notified prior to the action.