davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NY)

Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. 

I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. 

Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. 
In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. 

Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. 

The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (MD)

Today, I was checking my credit report on XXXX XXXX and noticed that Equifax has lowered my credit score by 97 points, lowering my credit from good to fair. There was no reason given why my score was lowered and there was nothing new or added recently. Equifax has done this in the past as well and raised my score when are questioned. 

Equifax has 3 closed accounts on my credit report that are all over 10 years old including 2 XXXX XXXX credit cards and a XXXXXXXX XXXX credit card. Under the Fair Credit Reporting Act, these accounts should have been removed after 10 years. XXXX  has none of these accounts listed on my credit report and XXXX has 1 XXXXXXXX XXXX account listed. These accounts should not be listed on my Equifax credit report and is not only, negatively affecting my credit score, but is against the law as well. 

I have tried to dispute this information with Equifax, however it does not appear in their items to dispute. Again, that is also against the law. A consumer has the right to dispute items on their credit report. I also have a letter from XXXXXXXX XXXX, which states they have not been reporting this account to any credit reporting agencies, so who is reporting this informTion, because it is false.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$14000.00}
Consumer complaint received 2021-07-19
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: PMR Progressive, LLC (CO)

I have contacted Progressive over the telephone regarding a collection that credit collections is reporting. Progressive and credit collections do not respond to the letter I have sent them.

I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to Progressive *
Consumer complaint received 2021-03-19
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. (FL)

I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted XXXX, equifax and XXXX regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (MI)

I have numerous Auto Hard inquiries on my Credit report I did not authorize. I notified XXXX numerous times certified letters and calls, even placed Identity theft notification on my report. I have called the companies to advise identity theft to remove these inquires and they have not.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (CA)

Capital Accounts forwarded a bill to me XX/XX/2021 in violation 15 USC 1692f ( A ) and 15 USC 1692e ( XXXX ) stating that if I did not pay the invoice amount that they would report such information to my Consumer report which is a violation of 15 USC 1692d ( XXXX ) and 15 USC 1692f ( XXXX ). In addition Capital Accounts has called me on XX/XX/2021 in regards to this alleged debt also in violation 15 USC 1692d ( XXXX ). Furthermore I did not give Capital Accounts written consent to have my private information, nor do I have any contract with Capital Accounts, I dont know who they are and never have done any business with them. Capital Accounts has violated my Consumers rights and has used abusive practices in violation of 15 USC 1692 ( a ) to collect a debt.
Consumer complaint received 2021-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

There is no live agent for unpaying customers. Unpaying sutomers are weeded out and directed to computer generated messages only without option of live person help. These methods can not be bypassed as once your SS # is needed, you will be redirected. I have contacted the following # s to no avail, same lack of response : XXXX, XXXX, XXXX, and XXXX. These calls were made during business hours. I have changed email addresses and since then have been unable to access my own credit report. I tried getting help. Help does not exist. There has been no access to email or chat avenues made public either. My only option is to send a paper mail and I will now include that I want a complete deletion of my account. They have my most personal information and I can not access it.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I was a victim of a scam used thru XXXX. I reported the issue to JP Morgan Chase and they are unwilling to help me. I have been going back and forth with them since XX/XX/2022. I have sent emails to the ceo and all personel in the executive office and was told " theres nothing we can do ''. I need a solution to get my money back. What actions can I take because this is unfair.
Consumer complaint received 2021-12-08
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. (DC)

This is XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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 XXXX XXXX
Consumer complaint received 2017-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the INACCURATE account information from my consumer file. Despite my three written requests, the INACCURATE item still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defined Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute is being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the INACCURATE reporting immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2021-12-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XXXX, XXXX, my wife and I logged into USAAs website to learn more about a VA home loan refinance. We were very interested in what the VA IRRRL  program listed about reducing our current interest rate of 3.750 % and shortening our 30 year term considering that I am a XXXX XXXX XXXX  XXXX veteran on a fixed income. The rates 2.625 % and 2.633 % APR looked very attractive and we wanted to get started right away by talking with a loan officer. I called and was introduced to XXXX XXXX who discussed the program in more detail- including that USAA temporarily suspended their cash out program, which was of interest initially to us. I ran out of time having to attend a VA appointment, so we scheduled a call for the next morning. 

On XX/XX/XXXX, I received a call back from XXXX to proceed with the application. After giving my approval for a credit check, XXXX said that my XXXX score was XXXX and my wifes was XXXX - both outstanding. A new mortgage loan acct was created based upon the following quoted to me by XXXX : * estimated closing dates- XX/XX/2012 * escrow estimate - {$3200.00} * estimated closing costs - {$0.00} * LOCKED IN RATES - 2.875 % and 2.9160 % APR * {$800.00} principal & interest pmt * opt in for disclosures electronically completed anticipating to receive documentation of loan estimate. 

XXXX then congratulated me on the new loan and said I was to expect a call next from another loan office with the intent to proceed/ intent to close. He said that from there on out the loan would be transitioned to a processor, who would be my main point of contact going forward via phone or email. Thats why I was surprised to receive a voicemail message from him later that day after business hours explaining that he had more disclosures to discuss with me. 

The next day he called, saying because of a problem with the VA IRRRL program being so specific I was now looking at refinancing at a higher interest rate ( quoted 3.0 % ) and the need to possibly have to lengthen the term from 20 now to 30 years! Understandably, my wife and I were both flabbergasted and requested to take the matter up with USAA higher management. The solution he gave to remedy the problem never involved anything I had previously agreed to, nor ever would.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2021-02-13
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. (VA)

I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX miles.
Consumer complaint received 2021-05-31
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. (GA)

This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint Regarding Incorrect Address and Name Spelling on Credit Report Dear : Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding inaccuracies present on my credit report, specifically pertaining to my address and name spelling. The information provided in my credit report is erroneous and does not accurately reflect my personal details. 

XXXX. Incorrect Address : The current address listed on my credit report is [ Incorrect Address XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX Forum XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ], which is not my residential address. This discrepancy could potentially lead to misunderstandings and complications in financial transactions. My correct residential address is [ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX ], which I have provided consistently to financial institutions and credit agencies. 

XXXX. Name Spelling Error : Furthermore, my name is misspelled on the credit report. My correct name is [ XXXX XXXX XXXX ], but the report lists it as [ XXXX XXXX, XXXX XXXX, ]. This misspelling not only undermines the accuracy of the report but also creates confusion and may impact my creditworthiness. These inaccuracies are concerning as they could adversely affect my ability to access credit and financial services. I have taken the necessary steps to ensure that accurate information is provided to credit reporting agencies, yet these errors persist, reflecting a systemic issue that requires attention. I kindly request that the CFPB investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I would appreciate guidance on how to prevent similar issues from arising in the future. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CXXXX 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 XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.