davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). 
* Method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

I was behind kn my payments in XX/XX/2020 and a customer service representative called said that they would be able to set me up on a covid relief program. So we did and he told me not to make my payment for XXXX it would be fine and not show on my creidt report as.late. 
I have looked at my report and it IS showing late and I asked for it to be correct and I have not heard a other word about it
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (WI)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and got financing through XXXX XXXX. It read XXXX on the odometer of the vehicle during the time of purchase. The car was sold to me for {$22000.00}, XXXX times the blue book value. I beleive that credit acceptance took advantage of hardship being that my credit was bad. Giviing me easy financing in exchange for a expensive car that wasnt worth its value at a price I could not afford. With high mileage on the vehicle and it being an older car, even if I sell the vehicle, I can never get the amount I paid back for this car. I feel that this is not an honest establishment, knowing they financed a car to me at this price. This establishment has no compassion for its costumers or the community it provide services. I feel that I have been taken advantage of. This car loan has damaged my credit and put me in more of a finanical hardship trying to pay it off. In this case, I feel that I deserve compensation which would be the difference for the price I paid and the blue book value. I would say that {$18000.00} paid back to me for pain and suffering while I stuggled to pay off this outrageous car loan would be justice. If I do not recieve a settlement payment in a timely fashion, I will proceed with further actions. 
Thank You
Consumer complaint received 2024-08-16
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. (OK)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing a formal complaint against TransUnion XXXX XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has neglected their legal obligation to investigate and correct these errors promptly, causing significant harm to my financial well-being. 

Complaint Summary Credit Reporting Agency : XXXX Report Number : XXXX Date of Dispute : Initial dispute sent on XX/XX/XXXX Details of Disputed Items Credit Card Account Dispute Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$5800.00} Date Opened : XX/XX/XXXX Issue : Unauthorized charges were made on this account without my consent. Despite having notified XXXX, these fraudulent charges remain on my report. Attached are copies of correspondence and documentation supporting my claim. XXXX refusal to investigate this matter is a clear violation of FCRA 15 U.S.C. 1681i. 

Bankruptcy Entry Dispute Creditor : US Bankruptcy Court GA XXXX File Number : XXXX Amount : {$0.00} Date Filed : XX/XX/XXXX Issue : This bankruptcy entry is completely false. I have never filed for bankruptcy, and the court has confirmed that they do not report to credit bureaus. Documentation verifying this is attached. Despite my clear evidence, XXXX has failed to remove this inaccurate entry, which is a direct breach of their obligations under federal law. 
TransUnion and XXXX  Violation of FCRA TransUnion and XXXX failure to correct these inaccuracies demonstrates a blatant disregard for the consumer protection laws outlined under the FCRA. By refusing to adequately investigate or remove these fraudulent and incorrect entries, XXXX is causing undue harm and damaging my creditworthiness. This negligence is not only financially burdensome but also constitutes a violation of my rights. 

Action Requested I am requesting that the CFPB : Conduct an immediate investigation into XXXX XXXXailure to comply with their obligations under the FCRA. 

Compel XXXX to correct or remove the disputed items from my credit report immediately. 

Impose appropriate penalties on XXXX for their ongoing failure to maintain accurate credit reports as required by law. 
Provide me with a full report of the findings and any actions taken against XXXX. 
I have attached all relevant documentation, including copies of my dispute letters, correspondence with TransUnion and XXXX, and evidence supporting my claims. 

Conclusion TransUnion and XXXX refusal to adhere to federal laws protecting consumers from inaccurate credit reporting is unacceptable. I seek your assistance in holding XXXX accountable and ensuring that my credit report reflects only accurate and truthful information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Brock & Scott, PLLC (GA)

Please allow me to come strait to the point. On XX/XX/XXXX. Brock & Scott , PLLC conducted the foreclosure proceedings on my property, in spite of being aware that their client, XXXX XXXX XXXX XXXX XXXX XXXX did not have legal standing to perform a legal foreclosure on my property. In addition to the violation to Georgia XXXX outlined in O.C.G.A. XXXX to XXXX, Brock & Scott , PLLC violated the Fair Debt Collection Practices Act ( FDCPA ) - 15 U>S>C> XXXX et seq. This law essentially states that if the law firm handling the foreclosure is acting as a debt collector, it is subject to the FDCPA, Under the FDCPA, debt collectors must validate the debt upon the debtor 's request and provide information about the creditor ( client ) for whom they are acting. The law firm can not legally pursue foreclosure without proper validation, and they must cease collection activates until they provide this information. Brock & Scott , PLLC was notified before they conducted the foreclosure, that their client did not have legal standing in this case. Nonetheless, they were also required by Georgia and XXXX law, to make sure of their client 's legal standing before they initiated any form of foreclosure proceedings. Further, they have violated the XXXX XXXX XXXX Reform and Consumer Protection Act - 12 U.S.C. 5301.This Act includes provisions designed to prevent fraudulent assignments and improper transfer practices in the mortgage industry. Please see Attachments XXXX fraudulent Assignment dated XX/XX/XXXX is fraudulent on it's face evidenced by it's robo-signing performed by signer XXXX XXXX, a confessed and well established robo-signer. The Corrective Assignment is not legal either. Brock & Scott , PLLC was purposefully negligent in pretending that their client herein named, had lawful authority to conduct foreclosure proceedings in my case. The actions of Brock & Scott , PLLC in my case are criminal.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX, Account # 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 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2024-10-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (AL)

I am writing to dispute a fraudulent account that is being reported by THE CBE GROUP for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that THE CBE GROUP for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I REPORTED TO XXXX XXXX  THAT THIS WAS INDEED IDENTITY THEFT. THAT IS ILLEGAL AND BAD BUSINESS FOR THEM TO THEN GO AND SELL THAT ACCOUNT TO YOU, CBE GROUP TO COLLECT ON- THAT COULD RESULT IN A POTENTIAL LAWSUIT, THAT COULD TURN INTO A CLASS ACTION LAWSUIT I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Consumer complaint received 2022-04-25
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. (TN)

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 # 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 2021-12-27
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. (CA)

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I discovered fraudulent charges on my Citibank simplicity card in XX/XX/XXXX when I attempted to use my credit card for a dental procedure. It was declined due to over limit. I was only able to put {$1000.00} on the card of amount due. I immediately checked my account online and discovered fraudulent charges charges online from all over the XXXX. I filed a fraud report with Citibank. Some of the fraud was investigated but others were not. I paid nearly {$200.00} per month on the card until XXXX to ensure I paid the {$1000.00} charge to my dentist. I have a letter from Citibank stating no payments necessary until investigation is completed which is why I stopped paying. I notified Citibank of this. I have recently agreed with Citibank to resume payments hoping to get this resolved. This has affected my credit rating severely. I was refused a XXXX to make home repairs due to this. This was not reported to the credit bureaus as fraud. I am continually being charged interest on purchase balances which I did not make as well as balance transfers which I did not make. There are still hundreds of charges that were not investigated! I have spent countless hours on the phone with the security/fraud dept with often times negative results and getting bounced from person to person that did not seem to know what they were talking about. I feel like I am being treated badly re this situation. Why would I pay my bill religiously and stop in XXXX, XXXX and put myself thru this nightmare. With all that I have paid, the balance is still approx $ XXXX. I really need help with this problem as it has affected my credit negatively. Please help!
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

I booked a trip to the XXXX XXXX XXXX XXXX XXXX on XXXX. Check in XX/XX/2021 & check out XX/XX/2021. Booking was made on XX/XX/2021 and charged to my Amex. I prepaid for nearly the entire stay. I was supposed to only be liable for a small portion of the balance at the hotel upon checkout. I paid {$910.00} with a balance due of {$110.00} due at checkout. Upon checkout I was charged {$1000.00} and not just the balance owed. I immediately tried to dispute with XXXX and was eventually advised in writing that I would be refunded {$960.00} as overpayment. I still have net received any refund. I have disputed multiple times now with Amex XXXX XXXX  with no satisfaction. I have details in the attached document showing the original charge, the response from XXXX confirming a refund and notes from the final conversation where I was advised to speak to the XXXX. The Hotel has not returned my call.
Consumer complaint received 2022-04-25
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. (GA)

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 : {$5800.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$950.00} Date Opened : XX/XX/XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX : {$0.00} Date Opened : XXXX XXXX Closed Account # XXXX, has violated my rights. 
XXXX XXXX $ XXXX Date Opened : XX/XX/XXXX Closed 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 C, ( 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 1681 S-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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following accounts and inquiries as unauthorized and fraudulent : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have been told on numerous occasions from XXXX XXXX XXXXE that my credit card account XXXX was sent over too all three credit agencies XXXX XXXX XXXX XXXX and Experian to report my credit card account. I only see my credit card account reports to only XXXX. And doesnt report too the other two credit bureaus.
Consumer complaint received 2022-04-25
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. (TN)

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 XXXXXXXX UNIVERSITY 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 2022-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (PA)

I am a protected consumer submitting this complaint on the record before possibly taking legal action. 

I have not been provided proof of any documentation proving I have given consent to release my medical or personal information to this company. 

Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (SC)

Purse was stolen out my car after being broken into. File police report after realize what happen. I bank card was stolen along with other sensitive information. File a claim with TD bank provide police report and any other information they ask for. Was denied claim and was told be the bank they can't provide that it is fraud and my account is new so there is nothing they could do
Consumer complaint received 2022-04-25
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. (VA)

I contacted TransUnion Consumer Solutions in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. It has also been longer than 4 business days since my request was delivered to them. They also sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the Better Business Bureau and my states Attorney General in regards to this violation of the law that this company have committed.