davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (NC)

In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, XXXX and Experian. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.
Consumer complaint received 2022-01-14
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Direct Mediation (TX)

They called my mother and my father, and my sister who live in another city. My mother called me yesterday XXXX and told me they told her I have a debt with XXXX  and that theyre taking civil matters. Sharing my information with her.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may intrigue, I have been trying to apply for credit, for near a decade unsuccessfully. When I apply for credit, I am always told that there is discrepancy between my identifying information that the financial institution has versus what a credit agency has. TransUnion has been the obstacle four out of five times. When I contact TransUnion, I am connected to someone who tells me to make a free account on the TransUnion 's website for assistance. To sign up with TransUnion online, their second step called " Personal Information '' has a credit card section, that is required to continue ... for a free account. When I contacted TransUnion and asked about this, they told me " this is just to have in case you want paid services later. Such as a credit report, which is only {$0.00} ''. This classic trope echoes the adult side of the internet from the early 2000 's. 

I have been unable to speak with anyone from TransUnion who can even recognize the problem yet. Everyone tells me to call a different number, or go to a different website. This unfortunate trope echoes trying to cancel your cable.
Consumer complaint received 2022-01-14
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. (NJ)

TRANSUNION has deleted inquiries from my consumer report as a result of identity theft, which they were suppose do to according to the Fair Credit Reporting Act. However, they did not compensate me for inaccurately furnishing information on my consumer report. Deletion of these items ( listed in the attachment below ) is admission of liability. According to the Fair Credit Reporting act, TRANSUNION willfully failed to comply with the requirement imposed under such subchapter and is now liable to me ; the consumer, for $ XXXX per deletion.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (GA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-14
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)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

CFPB : please look into this matter. If this matter is not resolved asap I have no other choice but to speak with counsel. 

Problem : I applied for a mortgage and was IMMEDIATELY DENIED due to the inaccurate reporting of this agency. This is NOT a reporting from a creditor this is reporting from the Experian which I have provided proof of THEIR reportings along with the reporting of the other reporting agencies which have removed the account from my credit report due to inaccurate information. 

Experian is reporting a FORECLOSURE on XXXX XXXX account, which is NOT a mortgage. I have NEVER had a FORECLOSURE EVER. This reporting is ABSOLUTELY FALSE! 

They are also reporting " XXXX XXXX '' as the payment status which is also inaccurate. Please look at the last 2 years of this account. There are no late payments. A reposession only occurs when an account is beyond 60 days past due. 

I called XXXX and XXXX which are NOT reporting this account due to inaccurate information and they told me they removed it and block the reporting. Also, can Experian please explain how can 1 credit reporting agency report something inconsistent when the information is coming from the same source? Why can't Experian follow suit? I suspect they DID NOT investigate. 

If this account is not DELETED immediately from my consumer report, I have no choice but to seek counsel due to violating FCRA, refusing to adequately investigate consumer disputes and causing me and my family to be denied for a home mortgage. 

I am also aware of XXXX v/s Experian, the {$45.00} million and largest settlement for violating the FCRA.
Consumer complaint received 2022-02-22
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: Applied Business Services, Inc. (TX)

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. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I tried to send my mother in law money through Venmo through my balance on venmo.she did not get a notification so I cancelled it and tried to do it again.my account was then Frozen with no explanation. I called several times and then was initially told that someone from an account specialist team would reach out to me within 6/7 business days on the XXXX when the 7th business day was up I called again and was informed that my case would be escalated for a second time and that I needed to wait another six to seven business days and then they asked me to send them a picture of a photo of my license with me next to it I submitted all documents on the XXXX that I had and was told to wait another 6 to 7 business days. I did that now it is Monday XX/XX/XXXX and no account specialist has reached out to me my account has been frozen with {$6700.00} verified from the IRS in my account no one is giving me any answers I'm getting misinformation I've contacted several supervisors to no avail they're just holding my money and not telling me anything I submit it all proper documents and they were accepted.please help me.i have emails of all chat transcripts verifying
Consumer complaint received 2022-07-08
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 XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's XXXX, Experian, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

The school closed down before I could return. They have had history of embezzlement at this location. Many of us were bribed to attend the school with out properly being explained the contract. We were told the first year I attended that we would not receive our pell grant money because it went towards tuition while still being forced too pay monthly fees towards the tuition. I signed up for the work study program to help me pay my bills and tuition and I was told that I did not qualify. Many student had to complain to the headquarters to get the money they were holding. Many of us could not find employment relating to our degree. I feel robbed and I am in debt because of them? They used the fact that we were single mothers with he hopes of careers. The financial counselor made me pay a XXXX in person application fee. All the money i paid her she embezzled before she was fired. The medical scrubs they gave me did not fit so they took them back and I head to purchase my own. My graduation date was pushed back so many time which ius the reasoning had to take a medical leave twice. After my medical leave I went back to return to the school but get had immediately shut down. I went to this school in XXXX and in XXXX. My credit shows many different charges from them and money I never received.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

Radius Global ( XXXX ) XXXX reported XXXX, showed up today XXXX. 
No notice was received. Called at XXXX got XXXX XXXX asked for phone number to verify, Account # XXXX, XXXX XXXX {$430.00} is the amount, I requested the address. 
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, I never lived there. XX/XX/2018 was the date. The written notice to dispute was sent to that address as well Dispute process below Email dispute : XXXX Include account # XXXX Reference # XXXX Balance XXXX Client name XXXX I included all information showing that I never lived there as requested. I was told I just had to email stating I had never lived at that address and include a current address. They said it would take 30 days, which I said flat out would NOT be acceptable as this is a fraudulent account on my credit report while she is buying a home. I was transferred to a supervisor. XXXX is the manager we got transferred to. It will reflect as a dispute on Saturday. It should be removed by Tuesday at the latest is what he told me. It is still on my credit report. I called Wednesday and Thursday and was told both times to wait just a few more days each time but I cant keep waiting when I was told today there was no guarantee on time frame.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I deposited a check of {$1700.00} into my checking account. It was very cold and the ATM screen was all cloudy with ice. It refused to give me a receipt. The next day I saw the bank had credited me with only {$700.00}. I called Bank of America to complain but instead of looking into this immediately and tracing the check, they told me it would be treated as a dispute. 
After a week, I still didnt see the remaining funds so I logged into my account and realized that the check image was not even in my online banking. 
I called bank of America today and they are giving me the run around. The representative even hang up on me. 
This is not my fault. Their ATM was faulty and I am the one chasing to get my funds released. 
I either need my check back or the right amount deposited into my account. 
I need my funds urgently and Bank of America should release it
Consumer complaint received 2022-01-14
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. (AL)

This company is reporting an account that there is no name listed for the company and that it's not listed by any of the other bureaus. I have submitted a complaint to Equifax directly and it came back verified. This is an FCRA violation of complete, whole and accurate reporting mandates.
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/XXXX I received a letter from Chrysler Capital / Santander Consumer USA Inc dated XX/XX/XXXX that stated " Chrysler Capital does not perform goodwill or courtesy requests to remove accurately reported negative information from your credit report '' ( as shown in attachment ) after I filed my dispute concerning my rights under the FCRA. I inform Chrysler Capital that the information they was reporting was diminishing the value of my consumer credit report and needed them to block and remove it immediately. On or around XX/XX/XXXX I talked to Chrysler Capital / Santander Consumer USA Inc. fraud department and spoke with representatives " XXXX '' employee ID # XXXX and " XXXX '' employee ID # XXXX both XXXX and XXXX had horrible customer service, rude, was yelling thru the phone and using profane language.
Consumer complaint received 2022-01-14
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information