davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX XXXX XXXXr : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : WFC Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : XXXX XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), 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 ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2021-10-31
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. (FL)

This balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.
Consumer complaint received 2021-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a certified letter to Transunion regarding inaccurate reporting on my credit profile for the account XXXX and method of verification, they did respond and said this account was verified. Transunion has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information This is illegal and unfair credit practices. They have not responded to any of my letters.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (VA)

I am writing today in regards to my account with Comentiy Bank/ Victoria Secret account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020. During that time XXXX has declared a natural disaster XXXX due to Covid. I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from TransUnion for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022
Consumer complaint received 2022-08-01
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I received a text message alert from Bank of America notifying me that someone attempted to deduct XXXX separate deductions of {$47.00}, {$47.00}, and XXXX totaling {$120.00}. I replied to the text message with a No answer that I did not make or authorize those deductions from my checking account, the attempt appeared to have been attempted through my debit card. Once I replied with a no answer, my card was locked, and I was unable to use that card. I then called Bank of America to follow up on the alert, I filed a claim with an individual named XXXX XXXX XXXX XXXX XXXX standard time on XX/XX/2021, I explained to her that I did not make or authorize those XXXX charges, and I wanted them refunded or at least not deducted from my account. XXXX agreed to help me out with the issue, she notified me that those XXXX charges of {$47.00}, {$47.00}, and {$27.00} did in fact go through, and that she had to file a claim with the fraud department for {$120.00}. I took a snapshot of the charges processing on my activity page on XX/XX/2021, and it shows the XXXX charges in reversal, but then it shows them deducting after. I then followed up on XX/XX/2021, and I noticed my checking account was missing {$120.00}, and the activity of reversal and the XXXX charges of {$47.00}, {$47.00}, and {$27.00} no longer on there, they were essentially erased, but the XXXX deductions did occur, therefore {$120.00} was missing from my checking account. The fraud department concluded their investigation in around XXXX days, and they said that no match was found for the amount of {$120.00}, that the amount I filed a claim for wasnt missing from my account, I said it was missing, but someone deleted that activity from my account, it doesnt show on my activity because someone let it process, but then deleted the XXXX deductions, making it seem like nothing ever happened. I attached XXXX attachments showing screenshots of the XXXX Deductions processing on XX/XX/2021, the amount that my checking account was going to have after they processed, and another screen shot showing the amount on XX/XX/2021, and the balance on XX/XX/2021, but the second screenshot no longer shows those XXXX deductions, they were erased from my activity, but if you observe, they did in fact go through because my account on XX/XX/2021 was supposed to have {$120.00} more, and it did not, it was missing {$120.00} on XX/XX/2021, that money hasnt been returned to me. Thats why I am filing a claim with you in search of some answers to what happened?
Consumer complaint received 2021-10-30
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. (TN)

On XX/XX/XXXX a certified dispute letter was sent to Transunion LLC Credit Bureau XXXX XXXX, XXXX PA XXXX, regarding public record XXXX. The public record was not marked, " disputed by consumer '' which violates section 611 of the FCRA and is not accurate in reporting which violates Bankruptcy Law. 

On XXXX a certified dispute letter was sent again to Transunion Credit Bureau XXXX XXXX XXXX PA XXXX, for disputes reasons 1 ). the public record XXXX failed to contain the city and the state which violates the Bankruptcy law and the FCRA. 2 ) The public record continues to report inaccurate information and does not reflect it has been disputed by consumer which is my legal right as a consumer and citizen.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX Bank auto loan, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided XXXX dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.
Consumer complaint received 2022-07-18
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ; # XXXX discover, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX purchased home through Countrywide with a negative amortization first and second. They went out of business and Bank of America took over the loan without the option of converting the loan. 
We continually paid $ XXXXmo in mortgage payments ( verifiable on BofA 's letterhead spreadsheet until XXXX ). 12 years = $ XXXX. BofA still foreclosed on our home. 

BofA never took a loss on our home. They sold it 3 times and made a profit each time. 

There are previous complaints filed to the CFPB regarding this after all attempts to prevent foreclosure : Make Home Affordable, Project Sentinel, letters to the former Chiefs of Staff.
Consumer complaint received 2021-10-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (MI)

being under " Forced Action '', threat, and XXXX, I was not given full disclosure of contract. I was not presented with a " True Bill in Commerce or security Agreement. Company was sent a Accord and satisfaction letter with tenderized payment, along with General Release of Liability Agreement and Affidavit of Demand for Verification of Debt. But no response for demanded documentation requested. 

Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to enforce payment. 

" any attempts to collect further payments on my automobile loan will be construed as " XXXX XXXX '' evidence of committing fraud ''.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2021-10-30
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. (NJ)

On XXXX i sent multiple letters regarding misleading/inaccurate and unauthorized items on my credit report. Til this day, nearly 45 days later i have not received a response. I feel like im being taken advantage of and ignored. Sec 611 ( a ) states failure to investigate within 30 days gives reason for removal. Its been 45 days and they should be deleted immediately. If these misleading items aren't deleted promptly i will be taking litigation. 

In my XXXX dispute i asked for proof of the alleged debt with proof of signature of me authorizing this debt. I have yet to receive a response I disputed inquires XXXX & XXXX by certified mail letter dated XXXX. I received a response stating that these items aren't on my Equifax profile. However these misleading/unauthorized items still show my Equifax credit report
Consumer complaint received 2024-08-14
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. (MS)

RE : XXXX Dear CFPB Team, I am writing to formally submit a complaint against Experian regarding their failure to provide documentation and their misleading communications concerning my credit report. Despite my repeated requests for clarification, Experian has not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 605.

Experians online portal indicates that their investigation into the disputed account has been completed and that the account has been updated. However, this contradicts the information previously reported to the CFPB, where the status of my dispute remains unresolved. This discrepancy raises serious concerns about Experians compliance with the FCRA, which mandates that consumers have the right to dispute inaccuracies and receive a thorough investigation.

Under Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation of a consumers dispute and provide documentation that supports their findings. Experians failure to provide the necessary documentation regarding the disputed account is not only unjust but also a violation of my rights as a consumer. This lack of transparency has resulted in significant financial hardship and emotional distress, impacting my ability to secure credit and manage my financial obligations.

I demand that Experian take immediate action to resolve this matter by providing the documentation supporting their claims. Furthermore, I request that the CFPB investigate this issue thoroughly to ensure Experian complies with the FCRA and takes appropriate action to rectify their reporting practices.

In addition, due to the financial hardship and emotional stress caused by this situation, I seek guidance on how to pursue compensation for the damages incurred as a result of Experian 's actions. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2.Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (MA)

I pulled the report to apply for a mortgage and noticed that Experian was reporting an unverified /un-validated account from XXXX XXXX XXXX Account # XXXX. I sent 2 letters XX/XX/2021 and XX/XX/2021 and they have blatantly ignored my dispute which is a violation of the FCRA. Not only do I not know, what the debt they are referring to, nor what it is for, but I do know they have violated my rights as a consumer. Pursuant to the FDCPA, Specifically 15 USC 1692. Not only is this defamation of character, but in its self harassment. I am now demanding that you step and demand Experian to finalize this investigation by removing this solicitation from the report. I never as the original creditor permitted anything to be transmitted, reported on my behalf failure for this to be removed I will seek legal damages as pursuant to my rights.
Consumer complaint received 2022-06-28
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. (TX)

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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. (MN)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 45 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid off a XXXX debt in XX/XX/2020 of {$470.00}. Before paying the debt I was told that the Collection would come off my credit report within 30 days of paying in full. Ive made complaints for a year and its still on my credit report. Every debt Ive paid Off has been removed but this XXXX. XXXX continues to lie and does not honor the agreement of what I was told. Please remove this from my credit