davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. Consumer Agencies : XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 The Work Number 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  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 informa tion, other than records of convictions of crimes which antidotes 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 The companies listed do not have my consent or authorization to report on my credit profile please remove in accordance to the consumer rights to privacy.

Being of XXXX XXXX XXXX I have been discriminated against due to XXXX resulting in the ability to only receive impartial vehicles loans personal loans as well as keeping negative information on my credit report that further impairs my ability to obtain credit.
Consumer complaint received 2019-10-02
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 — Their investigation did not fix an error on your report
Company: Avant Credit Corporation (NJ)

I have a loan with AVANT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX with no successful resolution. There was definitely an error on their part. I was never late.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

CPE Group Inc. sent me a bill for {$250.00} to collect for XXXX. I Called Customer Service that I never had any outstanding balance with XXXX. I told CBE Customer Service that this is not how XXXX works. XXXX sets up Checking Account with XXXX and this is the only way to buy or sell any products. I called XXXX on XX/XX/XXXX and they told me that I do not have any outstanding balance or if they sent this to collection with CBE Group. CBE setup a account # XXXX which they said that I owe them {$250.00} for collection. They said that I could pay balance in full or make payments. Also they said if I do not respond within 30 days by mail or by calling collections that they would send this collection to Credit Companies. CBE  Group had a Payment Processing Center, XXXX. XXXX XXXX, XXXX, IA XXXX to send money too. The Customer Service # XXXX to talk to billing dept. This Company is a Scammer, which is trying to collect money for Collections with CBE Group. They are doing this to other people and saying they owe money for collections for XXXX or for other Companies. If you need a copy of the bill I got from CBE Group, please let me know.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I submitted a complaint XXXX, concerning my home loan being reviewed for foreclosure, because I had been told I could make a payment. I requested the telephone calls be reviewed. On XX/XX/2019, I received a message from XXXX stating Navy Federal claimed I had not submitted the Hardship packet. However, this is not true and I have the tracking receipt to prove the packet was received. I never received a letter or anything concerning my Hardship packet, but I received a letter stating my home was being sold on XX/XX/2019, and people have been texting and calling my phone concerning the sale of my home. I am a XXXX  veteran and I have a XXXX XXXX and I am awaiting VA benefits for XXXX, so the fear of being homeless is affecting me in a horrible manner. Why request I send in a packet and under documentation if there was no intent to assist me. I emailed Navy Federal a copy of the transaction receipt, because I do not feel the information provided to me over the telephone can be relied upon since this last issue occurred. I have no idea if calls were received or update on packet.
Consumer complaint received 2023-11-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C (NY)

In XX/XX/XXXX, they claimed that I owed {$9400.00} in rent from a past landlord from XX/XX/XXXX through XX/XX/XXXX. In fact, I don't owe this rent -- my lease expired XX/XX/XXXX, and I moved out entirely after that period, cleaned up entirely with no damages, and wasn't affiliated with the apartment in any way after that period. I paid rent every single month on time and never missed any payments even through the pandemic. I asked for proof of debt in a letter and they wrote back 6 months later ( which is too long to even be valid ) in XX/XX/XXXX with my lease which clearly says the lease period ended XX/XX/XXXX. Yet they claim that I owe rent from XX/XX/XXXX through XXXX XXXX was in no way shape or form living or involved with the apartment at any time during those dates. I don't know who was or who owes money or if anyone was even living there at that time but it wasn't me. They are claiming that I owe money for dates that are not on my lease and for dates that I was clearly moved out ( and have many witnesses to prove ). I wrote a letter to them asking for proof that I was living there during those time periods or involved in any way ( through subleasing or the like -- which I wasn't ) with the apartment during those time periods, and if they could not provide this info then the debt was not valid and they must legally cease all communication. They did not listen and send another letter 3 months later in XX/XX/XXXX with simply the lease again ( which still says it ended XX/XX/XXXX ), and no further information to validate the debt. Since they didn't listen to my legal request to cease all communication as this debt is not valid, I am forced to file this complaint.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

I did not give written instructions to furnish this information on my consumer report, furthermore, the fair credit reporting act 15, usc 1681 ( 2 ) ( a ) states exclusion from a consumer credit report ( A ) Exclusions- Except as provided in paragraph ( 3 ) the term consumer report does not include information solely as a transaction or experience between the consumer and the person making the report.

Also the information on the report is not valid it states I was current and up to date on the moth of XX/XX/2019, XX/XX/2019 And XXXX XXXX How was I 90 days pass do? Id was current those months before XXXX The documents I submit shows the same thing on my credit report on all XXXX accounts
Consumer complaint received 2023-11-11
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF OMAHA (KS)

We refinanced our first and second mortgages with First National Bank in XX/XX/XXXX. The account was escrowed. 

On XXXX, we received a delinquent tax notification in the mail for the XXXX County Treasurer 's office. The bill states {$1500.00} has not been paid. 

I have notified the loan officer, XXXX XXXX. I have also notified the branch manager, XXXX XXXX. We have had mortgages with First National Bank for over 5 years. At no time have they ever failed to pay the property taxes as agreed to per our loan documentation until now. The notifications have been placed in writing via e-mail. 

I am asking that they send out the amount due promptly to the treasurer 's office. If there is a late fee or interest due because of failing to pay it, they will need to absorb it, because it is clearly their fault the amount has not been paid. We are not responsible for this amount.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-18
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. (CT)

A company requested my credit report on XX/XX/2023 when they should have not. They are suppose to call me to confirm with my Phone number. I did not apply For anything from this company to even request this. I am not sure if this is fraud. I will also report this to the ftc. The three credit bureaus should not have authorized anyone to pull my credit. Usually I get a phone call. I notice my old address from 5 years ago showing up. I have try to get this removed. has not Removed inquires that were on my credit report I am not sure were this is from.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have an item on my credit report from a debt buyer, XXXX XXXX XXXX, listed for {$1400.00}. However, both documents from the original creditor, XXXX Bank, and XXXX 's own account statement show the actual balance as {$1300.00}. I disputed the account with all three credit bureaus. 

XXXX eventually removed the account from my report, but it took multiple disputes and a phone call to get it resolved. My dispute with XXXX is still processing, but today I received the final results from TransUnion. According to their report, theyve verified the accuracy of the amount, which is surprising since I submitted documentation clearly showing the reported balance is incorrect. 

Its frustrating because it feels like these companies arent thoroughly reviewing the evidence provided during disputes. I'm not sure how they " verify '' accounts, but its clear they aren't using the documents I submitted.
Consumer complaint received 2023-07-18
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) o f the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-07-18
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY! 


These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY!

I have attached my Identity Theft Report
Consumer complaint received 2023-07-17
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. (GA)

I have a XXXX XXXX bill that i have been disputing for the past 6 months. To No communition with the credit bureau 's.
Consumer complaint received 2023-07-17
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 am writing to file an official complaint against TransUnion for its failure to respond and take appropriate actions following my dispute letter. On [ Date ], I sent a letter to TransUnion to address the inclusion of alleged school loans on my consumer file, which I firmly believe to be in clear violation of several federal laws, most notably the Fair Credit Reporting Act ( FCRA ).

In my dispute letter, I specifically referenced the relevant federal statutes, such as 15 U.S. Code 1681, 15 U.S. Code 1681a ( 2 ) Exclusions, 20 USC 1232g ( b ) ( FERPA ), 5 U.S. Code 552a, and 12 CFR 1022.3, highlighting the necessity of obtaining written consent before reporting sensitive information on a consumer file. Despite providing compelling evidence and supporting documentation, I have not received any acknowledgment or indication that TransUnion has initiated an investigation or taken any appropriate actions.

As an informed and vigilant consumer, I firmly assert that credit reporting agencies must adhere unwaveringly to the highest standards of compliance with the law. The unauthorized inclusion of the alleged school loans on my consumer file infringes upon my privacy and consumer rights in a flagrant manner. I have diligently followed the proper dispute procedures, and TransUnion 's lack of response raises serious concerns about its commitment to regulatory adherence.

Therefore, I urgently request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. It is imperative that TransUnion be held accountable for its non-compliance with federal laws, and that appropriate measures be taken to rectify this violation. I demand the immediate removal of the disputed information from my consumer file, and I expect TransUnion to diligently abide by the FCRA and all other applicable laws to ensure the accuracy and fairness of my credit reporting.

Enclosed, I am providing a copy of my original dispute letter and additional documentation, which I believe will be instrumental in your investigation. I have full confidence that the Consumer Financial Protection Bureau will treat this complaint with the utmost seriousness and work diligently to protect consumer rights. 

I earnestly await a comprehensive and prompt response from the CFPB. Your attention to this critical matter is greatly appreciated. Thank you for your unwavering commitment to safeguarding the rights and interests of consumers like me.
Consumer complaint received 2023-07-17
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. (TX)

XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to XXXX ' inaccurate reporting.