davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (IN)

Findings for the investigation for the complaint filed on XX/XX/XXXX and completed XX/XX/XXXX? XXXX ( Confirmation number : XXXX ) continues to be non-disclosed. This is a continuous and unfair practice I have dealt with for 2 years. When creditors and Equifax report EVERYTHING on my account that negatively impacts my score, there is not a link to click on for my viewing. Please assist. Thank you!
Consumer complaint received 2022-09-26
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy.

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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 2022-10-12
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 10 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Transunion on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me with to give to Transunion. Again I called Transunion to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO. (CA)

Hi my name is XXXX XXXX. I am trying to get help! I used my card at atm at chase bank. When I put the card in to get my money it declined it for the amount but took it out anyway and it did not dispense any cash. The card I used was a ebt card. I told the bank they said its not there issue cause that card is not from there bank. So I made a claim with the XXXX  card and also called chase to make a claim with them. I dont know what else to do. I feel they should of given the money that belongs to me cause it was pulled out of my card. This is not right. It happened in XXXX XXXX, ca, so if you can help me I would be grateful. I suggest for people not to use the chase bank in XXXX XXXX they are rude. They do not want to help with anything or problem. So I believe if dont want your money taken and not giving back! Do not go there or to any of there atm machines.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MN)

XX/XX/2022 I began the assumption process with Nationstar Mortgage LLC d/b/a Mr. Cooper to take my brother off of my mortgage. He does not live with me, nor does he make payments, he was only kind enough to help me get a house because at the time I did not have proper work history while I was finishing off XXXX XXXX XXXXXX/XX/2022 I was conditionally approved by Mr. Cooper and have been approved for all the consecutive steps. I was told this would take around 3 months, possibly 5. We are now starting month 9 in this process. 
It will often take 2-3 weeks to hear any response back from the mortgage company, with some of those responses only saying it is being worked on. My brother is trying to buy a house and needs to be off this mortgage in order to secure better rates. I have not been able to invest some of my money because I can't make large withdrawals while this process is underway. Mr. Copper has had to ask several times now for updated pay stubs, proof of insurance, and run credit checks on me multiple times because so much time is lapsing between communications and steps. I have been very clear with my contact persons that this needs to be completed and prioritized, but it is not receiving the attention it needs. This process is causing financial stress, as well as emotional and relational stress.
Consumer complaint received 2022-09-26
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: DISCOVER BANK (GA)

I spoke to Discover to advise them that I had not opened the account. I also let them know that my husband had not opened the account either. I told them that they had removed the account from his file. But on my file they closed the account, and now they are reporting it 60 days late. Even though they were informed that i did't open the account. The got angry and closed my sons college account with them because I filed the complaint. Now I'm requesting that they remove the account from the the credit reporting agencies. Due to I didn't open the account.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (CA)

I am filing a compliant due to the fact XXXX  is reporting incorrect information on my personal Credit Report. On XX/XX/XXXX XXXX  started reporting the folliwng Account # XXXX Original Credit : XXXX XXXX  stating that I own a balance of {$3800.00}. This account is now assigned to another creditor by the name of Lewis McDonnell & Asso. This account is not mine I am a victim of Identity Theft and have never agreed to conduct business with this Creditor. I have contacted XXXX  via Mail and Fax asking for validation of this debt on XX/XX/XXXX and again on XX/XX/XXXX I also provided a copy of my ID and Social proving my identity informing XXXX  of my Identity Theft issues, they have failed to reply in resonable amount of time to provide me with any evidence that this debt is mine, I ask that you now please remove this account from my report immediately.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (CA)

In XX/XX/2020 I asked for proof of IC System 's claim of an alleged debt for an XXXX bill and I also asked them to not communicate with me as I am represented by an attorney on page 3 of the letter that I sent them attached hereto. This is a violation of the FDCPA. I am requesting that the CFPB investigate and have IC System contact my authored rep.
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with XXXX against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department 11 times and every single time, I was assured that I was never late and the balance is XXXX. However, XXXX refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (MD)

The post office took four weeks to deliver my credit card check to the credit card company. The credit card company charged me late fees and interest. I called the credit card company and they removed the fees this one time as a courtesy and wont do it again. I asked them why they werent they using the date on the envelope when the check was mailed and not when it was received. They say its when its received. The reason it was late is because the post office took four weeks to deliver the check and the charge card company took to long to post the payment to the account. A federal law needs to be passed that no late fees or interest can be charged during the COVID 19 pandemic as long as the payment is mailed before the due date and not when the payment is received. The law should include nothing can be reported to credit agencies either. Thank you. XXXX XXXX
Consumer complaint received 2022-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (UT)

Covid created a 75 % loss to my business. We had a 2nd mortgage through " Security Service Federal Credit Union ''. On XX/XX/XXXX we received a forbearance. That ended on XX/XX/XXXX. According to the NCUA ( National Credit Union Administration ) after the forbearance period, I should have be allowed ( since I had never missed a payment ) to have a deferral, since I can now make the regular payment. This deferral was to allow me to place the missed payment at the end of the loan and subordinate lien. Instead, XXXX asked to numerous items. I promptly gave them all the documentation they had asked for and time after time XXXX stated I had failed to provide the supporting documentation. This is a blatant lie and it went on for 11 months. According to the law, it should have been completed in 30 days or less. In addition, they were trying to do a loan modification which is not practical for me. Last week, I received a phone call stating they had rejected the loan modification and that all of my CARES ACT missed payments are no due and they will start foreclosure process. This 2nd mortgage was for only {$16000.00} and I have equity of over {$600000.00}. It is obvious the they are violated the CARES ACT and the NCUA guidelines. They have been charging interest the entire time too.
Consumer complaint received 2022-03-27
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (LA)

XXXX is reporting outdated inaccurate and incorrect information on my credit report. 
I have contacted Nelnet and XXXX numerous times and disputed this information. 
They say that the information is verified with no explanation of where they are getting this information or why they continue to report it. 
They refuse to delete it as asked. 
The account has been closed, outdated and, exceeds the statue of limitations. 
All Nelnet accounts they are reporting are over 20 years old.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (FL)

On XX/XX/2022, IC Systems contacted a person other than the consumer that they were looking for XXXX XXXX about an alleged debt and violated FDCPA and my consumer rights. The IC Systems representative told the person on the phone that they were calling to speak to XXXX XXXX and that she owed a debt. They never stated they were a debt collector, they falsely represented themselves stating, this account was placed at their office, which is not true. And they stated that they were going to garnish my wages which is another violation of 15 USC 1692e ( 4 ). IC Systems was not given permission to have and/or use my nonpublic personal information by requesting me to verify my social security number, which I never gave to them. 
I looked up IC Systems and they are clearly a debt collection agency, they falsely tried to represent themselves as an agent of the state of Kansas, violation of 15 USC 1692e ( 1 ). This is a clear violation of 15 USC 1692b ( 2 ), IC Systems is using unfair practices to collect an alleged debt. 
IC Systems has used abusive, deceptive and unfair debt collection practices and misrepresented themselves when trying to collect an alleged debt from a consumer. 

IC Systems has failed to comply with the provision provided under the Fair Debt Collection Practices Act.
Consumer complaint received 2021-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (TX)

I was approved for a pay day loan from OppsLoan in XXXX of this year for {$700.00}. I have already paid off this amount, but they inflated the total balance due, and keep calling me daily, and some times multiple times a day repeatedly. I feel that this is harassment, and should stop immediately.
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2019 XXXX XXXX XXXX accessed my credit report without my consent. I filed disputes with XXXX  and Transunion to no avail. I have not lived in XXXX in over 7 years so there is no reason for this inquiry to be on my report for 2019. 

XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX