davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (OK)

I am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I called to settle my debt for my USAA credit card which was canceled, but once I requested a letter from them to say I had settled the amount I was laughed at and told that it wouldnt be removed as a negative impact and that I would just have to deal with it on my report. I have been with them for over 15 years, I have all my insurance, banking and all accounts with them and I thought that as a veteran they had my back. Im trying to sell my home and buy another and this is seriously impacting my chances to move forward. I went through tough times, but Im making a comeback and working hard to prove it. I just want a chance to start over and provide for my family and Im so disappointed that Im being treated this way. My circumstances have changed significantly and I know I wont be struggling financially like I used to. I would like the opportunity to move forward with this and I need help getting this fixed.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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.

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 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

See previously closed CFPB complaint - XXXX - that was closed without a satisfactory resolution. I am still owned {$72.00} in overdraft fees that should not have been charged. I have supplied my " actual '' records, detail and bank statements verifying my checking out balances at the time the overdraft fees were incorrectly charged.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (ID)

I spent several my citi credit cards to purchase some jade jewelry since last XXXX. Then, early XXXX this year, I sent some my jade jewelry to XXXX XXXX lab office in New York which is XXXX of the best gem lab in the world. Their reports showed all my jade jewelry are faked and dyed with color. 
So I contacted with the seller in XXXX. The seller promised to exchange them. Then I shipped them back. However, I have been waiting for several months for the exchangXXXX. Since XXXX is under the lockdown. The seller doesn't keep her promise to ship back the exchange. I get quite bit loss. 
I planned to dispute my credit card through citi and they don't deal with the deal over 4 months. I feel very frustrated and disappointed.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-24
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 XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 

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. 

XXXX XXXX XXXX- XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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)

Sent Letter Out Equifax since XX/XX/2022, I have not gotten an update from XXXX about XXXX XXXX XXXX. XXXX is not mines
Consumer complaint received 2022-07-10
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. (NY)

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXXt, XXXX - XXXX XXXX, XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.
Consumer complaint received 2022-05-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CO)

We have a home loan with Caliber home loans. There are multiple issues that we have had with them. 
Since at least XXXX XXXX XXXX, we have been trying to fo through the process of refinancing our house. During covid ( XXXX ) we ended up having to go on a forbearance for just a couple months ( even made small payments ). We signed the paperwork and sent it back, was told everything was done and granted. Well, then in XXXX we wanted to refinance. Caliber kept telling us that our account hasn't been updated to reflect anything. We kept getting the same response every week ( " we are working on it and should be updated next week. " ). To this day, XXXX, XXXX, XXXX, our account is still messed up and not updated!!! The whole reason we are refinancing is because we can not afford our payments ( that got raised right after we signed papaerwork ) paperwork. Since they have stalled on everything, we lost the opportunity for a good rate, and now our refinance ( because we do not want to be associated with Caliber any longer due to no help at all from them ), we are in hold because they haven't updated our account with our forbearance. It has been a YEAR since that forbearance!!! Why is this not taken care of like we were told??? How are they able to get away with stuff like this??? No one wants to talk to us about anything. We get transferred, told the same things over and over, and NOTHING IS GETTING DONE. They are the worst mortgage company I have ever dealt with. And I worked with a foreclosure company! What can we do to get the to stop screwing us?!?! Like I said... we have been dealing with this for a year!
Consumer complaint received 2022-04-24
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)

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 ****, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, US DEP ED XXXX, US DEP ED XXXX, XXXX Original Creditor : ) XXXX XXXX AES/NVI/JT  XXXX, XXXX XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED 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 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am a victim of ID theft and my identity was compromised, I filed a police report with XXXX XXXX division and they have an ongoing investigation for my wallet being stolen along with my luggage, my passport and ss card and I had to get a new passport issued in AZ through the bureau of consular affairs which should be on record along with a new ss card. 
I recently filed a new police report for the fraudulent accounts which I will attach to this report.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

We have reached out to the carrier USPS in regards to this missing item. ( The lamps for {$300.00} from XXXX I was eventually transferred to a supervisor who advised me that although the package was marked as delivered they could not provide me with the geotracking information to prove this. I was also told that because of seasonal workers ( temporary workers that were new to the company ) it was likely that my package was lost or accidentally delivered yo the wrong address. 

I was security camera footage from the front of my house and my porch and I can provide proof that no one came during the entire day USPS claimed the package was delivered. 

I have tried to work out the issue with my merchant many times Ive also contacted the carrier who admitted the package was most likely lost or delivered to the wrong address. We will sign any legal document stating that these facts are true. 

We contacted HSBC who DENIED our claim. I believe we contacted them around mid XXXX. They were extremely rude, with one agent yelling at me accusing me of being a lying woman who just wanted the item for free. I was SHOCKED and sickened. We have never disputed fraud with this bank EVER before this never late on a payment. They also lowered my credit limit down from {$8000.00} to only {$500.00} as a result of this. 

Please assist us in this matter we spent a lot of money and never received the product we ordered. Its not right and weve tried to do everything the right way to resolve this issue. 

We expect to receive the full credit of {$300.00} since we NEVER received the items and we have video proof of this. 

Thank you
Consumer complaint received 2022-08-01
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. (MN)

Delete this XXXX XXXX XXXX  chargeoff for reporting inaccurate information date of last activity shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Transunion ) and no date for XXXX. All three bureaus are reporting different dates. Thanks
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from Synchrony Bank of $ XXXXThey had been calling repeatedly..We came to an agreement of $ XXXXInitially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an XXXX. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX and XXXX XXXX XXXX has XXXX XXXX rights. 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2022-04-24
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. (TX)

In Accordance with the Fair Credit Reporting Act ; I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported other than my legal name : FIRST AND LAST NAME, DELETE NOW name identification number # XXXX and XXXX on EXPERIAN reported as of XX/XX/2022 ; or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.These inaccurate names violate my federal protected rights, FACT ACT TITLE 1 SEC. 151 and confidentiality under 15 USC 1681. Additionally, 15 USC 1681 604A Section 2 states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Bank of America 's bill pay system is erratic and they won't fix it due to their policy. The auto bill pay system did not take my first payment, which was set to pay the card off on XX/XX/22. It did not take the payment, causing a late fee and interest to be charged. 

The late fee was refunded, but not the interest. We should have never been charged interest since we wanted to pay the small balance off. Then on XX/XX/22 their auto bill pay system took the full amount, plus interest and late fee from my bank account causing a major inconvenience.
Consumer complaint received 2024-12-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (KY)

Dear CFPB, I am writing to dispute a debt being collected by [ XXXX XXXX ]. The collector failed to provide the legally required validation notice, depriving me of the opportunity to dispute the debt within the 30-day period under the FDCPA. Additionally, upon reviewing the records, I discovered numerous discrepancies, including inaccurate amounts and questionable account details.

The failure to notify me properly constitutes a violation of my consumer rights. I respectfully request that you investigate these violations and take appropriate action. Please ensure that this debt is not reported to credit agencies until verification is complete. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-16
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. (IL)

Credit card account information was posted without my authorization, not to mention XXXX of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.