davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (NM)

Filed a dispute with Equifax in XX/XX/XXXX about a XXXX account on my credit file that does not belong there. Received no notification on the status of my dispute. When I checked my free annual reports I still see it listed on Equifax in XX/XX/XXXX! I open another dispute with Equifax ( which they call a re-investigation now ) on XX/XX/XXXX and according to my report number they concluded their reinvestigation on XX/XX/XXXX ( no notification again ) and the item was not removed! Equifax states : The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX This item DOES NOT belong to me as I have NEVER had any account with XXXX. I want to know what verification Equifax received to verify the account and validity to make such a hasty decision. Additionally, the comments look like this is an old zombie debt from the DISCHARGED bankruptcy filed in XX/XX/XXXX! If this is the case, adding a discharged debt is HIGHLY ILLEGAL! Equifax needs to remove this item from my credit report promptly. 

This is my SECOND time opening a complaint with the CFPB and I will continue to open complaints UNTIL Equifax REMOVES the XXXX paid collection from my report. Equifax has failed to provide PHYSICAL proof of what information it " verified '' to me and LIED that I was sent confirmation on XX/XX/XXXX- In fact, how is a reinvestigation PROPERLY conducted in 6 days!!! 
Equifax needs to REMOVE XXXX from my credit file!
Consumer complaint received 2019-04-02
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: AMERICAN EXPRESS COMPANY (IL)

According to American Express, I enrolled in premium car rental protection online in 2014, which I don't believe I did. In years past charges of {$24.00} were automatically added to my card when I rented a car using their credit card. I had disputed the charges and they said they would cancel this automatic charge of {$24.00} when I rented a car using this card. That has not been the case, I received another {$24.00} charge and was told it was not cancelled until this year on XX/XX/XXXX, which is not true ... it was cancelled years ago.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies.

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information. 

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: INTERFIRST MORTGAGE COMPANY (CA)

i am having some issues getting a copy of all my documents for these companies. Please make sure they send me in the mail hard copies mailed immediately to my location XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX They have not sent what i have asked for they send everything but what I am asking for. 
please make sure these companies send me a copy in the mail of all my records including from day one when we initially executed the instrument ( Application ) 1. All billing Statements 2. payments 3.ledgers, 4.coupons, 5.statement of account for the public and private side, receipts XXXX original application XXXX original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Interbank Mortgage Co/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the registered agent for the principal account : XXXX XXXX. 

It was also brought to my attention that they have an account set aside for my principal estate ( social security number ) and that is holding all my unearned interest and they are waiting for the principal to come and claim it. It is mine and I need these companies to do their job and their duty is to perform and do as I say. I am the one that is the ONLY owner of the account and I am aware that all the unearned interest is in an account and they are to refund all the positive balances that exceed {$1.00}. These corporations have 10 days to send me my check to the address at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
pursuant to 15 usc 1615 12 U.S.C. 1431 - U.S. Code - Unannotated Title 12. Banks and Banking 1431. Powers and duties of banks- banks are the borrowers and I, the consumer, natural person is the LENDER.

Refund the Principal balance to me, as it is supposed to be per congress.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-10-03
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: Experian Information Solutions Inc. (WI)

Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 1006.34 and 15 U.S.C. 1681s-2 ( b ) ( 1 ). Despite my request, XXXX has failed to provide any verification of this debt or respond to my inquiries within the required time frame and EXPERIAN Credit Bureau continues to validate this debt even while complaints with XXXX have gone unanswered and still pending! As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. XXXX and EXPERIAN Credit Bureau has not met this obligation, and as such, the collection account should be removed from my credit report. 
The details of the collection account in question are as follows : Collection Agency 's Name : XXXX Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2019 my wife, XXXX was doing me a favor of cashing my paycheck ( in the amount of {$600.00} ) at the BBVA Compass branch at XXXX XXXX XXXX in XXXX, Texas XXXX. The check was properly endorsed, had the bank account number listed on the back as well and my drivers license was sent as proof of identity. 
A teller at the XXXX XXXX by the name of XXXX ( she refused to provide me with her last name ) refused to cash the check. She indicated that my wife did not sign on the account. Upon speaking to this woman on the telephone, I indicated that there has never been any problem with these transactions at any of the other BBVA locations. My concern and what I want addressed, is why these rules and regulations are not followed fully and FAIRLY among all customers and at all branches. This matter borders on discrimination. I am filing this complaint in an effort to bring these problems to light and ask that your office investigate the validity of the banks rules on cashing checks.
Consumer complaint received 2023-10-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I spoke Mohela XX/XX/2023 in regards to my new XXXX payments being recalculated as too high. They allowed me self certify over the phone, I even had an amount of ~ {$900.00} which was close to my original loan payment - and then they said in 5 business days my account will be updated to reflect that. 

I logged in and payments were around {$300.00} ( not {$900.00} that Mohela had determined on our previous call ). I have 13 loans and only 3 of the 13 are in repayment status. I am not sure why the other 10 are placed in forbearance. I do not want them to be in forbearance status as I am enrolled in PSLF and do not want to miss a month for repaying. 

Not to mention I called their customer service with over XXXX minute wait time. This is not fair that we are getting penalized due to the inadequacies at Mohela. I need my account to reflect repayment status.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-03
Product: Credit reporting 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)

My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Yeah so I was called by the Bank of America department that responds to the CFPB and was told my money would be mailed out to me with a tracking number provided for this within the next few days. Its been about two weeks now and I havent heard anything from said representative and Ive been calling her to no availability. Its been 3 yrs already like how do a big corporation like Bank of America think its ok to just steal from my clients and they can get away with it. Like dont they think they have enough. Its bad enough that they just got fined over XXXX XXXX XXXX dollars for doing this same nonsense behind other illegal banking practices under the noses of their own clients for years. They too over XXXX from me and are still giving me a hassle to this day. The lady said she would have the funds mailed out to me and than call me back when its done or to call her in two days. Its been two weeks and no response. Somethings got ta give. I just need those funds back. Im definitely gon na screen record this and put it up on social media. Ill have to write a new one everyday till I get back a response? How could a bank be so prejudiced towards a client and than steal from them? Thats how Ive been treated the past 3 years by the financial institution called Bank of America.
Consumer complaint received 2023-06-13
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc. (GA)

My husband, XXXX XXXX, got an unsolicited phone call, from Carter Young Debt Collectors on his cell phone-XXXX, for an unknown debt I owe. 

His cell phone is part of the donotcall.gov national registry and this phone call that left no message, until he called them back, because of the unusual and close to the home origin of the phone number that called, to hear them only say that it was a business matter that concerned me and not him. He told the operator for Carter Young of Georgia, that I was not available due to my work schedule, and they responded by saying for me to call them back, but not specifying for debt  collection, which is the primary function of their business dealings. 

This possibly is a violation of T.C.P.A. rules, and do not call registry rules Thank you, XXXX XXXX