davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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)

CFPB + TransUnion, In my XX/XX/2022 credit report I noticed a wrong name and/or name variation- please have this corrected asap. 

attached to this are : - my drivers license - my social security card - my address- my complaint - screen shot of where it is located Please remove all incorrect name and/or variations as soon as possible.
Consumer complaint received 2023-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (AL)

I got my XXXX tax refund on a serve/ American Express XXXX XXXX XXXX I lost the card and trying to get replacement card because I live in Alabama and my rebate has been added to that card. I have called multiple times could not speak to someone who could understand me and was told they had to have the last 4 digits of the old card before issuing a new card I gave them my birthday old phone number and social but was told they needed the last 4 of card and the 3 digit security code. I asked how could I give them that if I didn't have the card had to repeat myself over and over asked to speak to there manager was told they didn't have one was laughed at and hung up on! This happened 4 times today on XXXX XXXX XXXX  starting around XXXX XXXX  Alabama
Consumer complaint received 2024-11-25
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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. (TX)

Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account XXXX XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, TransUnion and XXXX keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within XXXX business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my XXXX and TransUnion report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is reporting inaccurate information.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CO)

I have an XXXX through Comenity Bank ( AKA, Bread Financial ). Comenity Bank initiated a " planned system update '' that started in XXXX ( my earliest knowledge/experience in regard to this update ). My monthly bill due date is on the first of every month. Because of their system update, I was unable to make my XXXX payment or view my transaction history through their website until the sixth of the month ( XX/XX/22 ). Since then, I have not been able to successfully use my credit card when attempting to make purchases and I am unable to get in touch with any customer service provider to discuss my account or why I am unable to make any purchases. I have never experienced such disregard for customer service with a federally regulated consumer provider. This is astonishing. Honestly at this point, I would like to cancel my account with Comenity, but I can not get any customer support to do even do that. As of recently, Comenity has not instilled consumer confidence with me as a customer and I am highly concerned that something fraudulent is occurring.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, On my XX/XX/2022 credit report it shows inaccurate names and variations of my name- please have this corrected as soon as possible. 

attached to this complaint are : - my drivers license - my social security card - my address- my complaint- a screen shot on credit report of names showing Please have my name corrected as soon as possible.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

On XXXX I received a credit alert that my student loan account was reported 90 days in arrears. During the federal student loan pause, I was paying what I could when I could to my servicer, Navient. I do not understand how my account could have gone into arrears during this time. On XX/XX/21 I tried to call Navient to discuss the situation. Three times I was told by a recording that I was being transferred to a customer service agent and was subsequently disconnected. 

My credit score has dropped XXXX points due to this and I can not contact Navient to get this resolved in a timely manner. We are currently trying to move into an apartment in a safer neighborhood and this drop in score is affecting our ability to secure safe housing.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (MO)

Credit Karma Harassed me with false preapproval letters for loans, credit cards and car loans around XXXX to XXXX, give me false hope applying for the loans and credit and was puzzled and embarrassed as the inquiry 's hurt my credit and my home stressing me out for months, i lost my job, which lead to a split from my family giving me really bad XXXX
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I received an email from TrueAccord, a debt collection agency, regarding an outstanding balance of {$640.00} with XXXX XXXX XXXX, which I believe is a mistake as I am not the debtor. I have no record of this debt.
Consumer complaint received 2022-03-06
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. (NY)

I have filed a dispute regarding the incorrect items on my credit report. 

1. The following late/missed payments are incorrecXXXX XXXXXXXX Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX XXXX missed/late ( XXXX, XXXX ) Please remove them from my credit report. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

This is a 2nd complaint because I just read the letter Loancare responded. The information was incorrect regarding the property taxes. The Loancare made a double payment as stated in the previous email and compliant due to an error by the company. We just purchased the home XX/XX/2021. The previous owners were in arrears in their property taxes, NOT US, the county applied the wrong amount to the wrong account. We did not find out about it until we got the taxes in XX/XX/2021. I've called and explained this to the company. I've tried to resolve this issue with the county. I've tried to resolve it with the closing attorney. The mortgage company received all but {$800.00} that I'm still trying to recover from the previous homeowner and closing attorney. They made an analysis on the mortgage prior to receiving the refund of {$5100.00} from the county. My mortgage should not have ever been {$3400.00} it was made in error. My XXXX mortgage should not be {$3400.00}. I am seeking for help and we are not getting it. The information is based off of inaccurate information. I am pleading for help. This issue should not be closed.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

We never had XXXX account. 

They call us, vey bad manners and ask for payment right the way. 

They start collect XXXX dls, later XXXX and now they send a bill for {$26.00} that we never owned. 
They harassed us to many times. 

now the company EOS CCA is a debt collector. 
The website is not working, don't allow to dispute the charge and they don't answer the phone also. 

Please care this manner. 

The best regards. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (FL)

First Progress Card is in violation of the FDIC " Holder-In-Due-Course Rule ''. 
I, XXXX XXXX, disagree with First Progress Card terms and conditions of agreement as it violates my rights as a consumer. 

I refuse to debate rather or not First Progress Card is in violation or not. However, if all legal legal action needs to be taking this serious matter can be skillfully articulated in Federal court. 

First Progress Card, You are ruining my financial reputation by furnishing negative information on my Consumer Report such as " Charge off '' and " Late payments '' which has cause me to be denied for Auto loan, I'm demanding that you remove such information from my Credit Profile, if you fail to do so and credit my account, the Internal Revenue Service ( IRS ) will be on notice to AUDIT the account. 

I, XXXX XXXX, Consumer, also do not give any consent to transfer my account to any person, First Progress Card shall be in violation of the United States Federal law Gramm-Leach-Bliley Act and pay a fine of {$100000.00} ( PER VIOLATION ). 

I'm aware there is a billing error and my account on my Credit Profile shall be updated as " Paid In Full '' to all Consumer Reporting Agency 's. 

This is my final notice and if all legal needs to taking, I am taking such actions as I'm aware of your negligence of noncompliance. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2022-09-21
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. (TX)

Sent Item dispute letter on XX/XX/22. Received a stall letter from Transunion on XX/XX/22 stating that my request appeared to be sent by an unauthorized party. I sent them copies of my Drivers License, My Social Security Card and my most current electric bill. I did this all myself, and did not have any third party do it for me. Even if I did have a third party do it for me, there is nothing illegal or unusual about that. Transunion has failed to send me any verification or metro 2 compliance information regarding this debt, and I believe they are doing nothing but stall the process. Please look over the documents I sent to Transunion, which I am attaching to this complaint. Thank you. The File Number Transunion sent me was XXXX.
Consumer complaint received 2022-10-13
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. (FL)

My name 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 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

When attempting to payoff this mortgage ( loan number XXXX ) which was days away from a foreclosure auction, PennyMac returned our personnel check that was for an amount in excess of the payoff amount. PennyMac received this check on XX/XX/2022. The accompanying documentation stated that a cashier 's check was required even though their monthly statement and payment coupon said nothing about a limit on the amount of a personnel check or that a personnel check was unacceptable. 

A cashier 's check for an amount in excess off the payoff amount was then sent to PennyMac This check was delivered on XX/XX/2022. PennyMac did not acknowledge receipt of this check until XX/XX/2022, and then only after multiple phone calls and messages. We spent hours on the phone going through endless loops of people telling us that they had not received our check. Finally on XX/XX/2022, just four business before the auction date, they finally received our check and cancelled the auction. 

PennyMac charged interest and fees through XX/XX/2022. We feel they should credit back to me any charges after XX/XX/2022. We are also of the opinion that had we not made these extraordinary effort to force receipt of our check, PennyMac would have happily allow the home to go to auction, putting an elderly, XXXX widow who had just spent 4 months in the hospital and her XXXX son on XXXX XXXX.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-09-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX **** and XXXX XXXX XXXX XXXX XXXX have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-11-20
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. (GA)

I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK (TN)

First Horizon has made two entries on My consumer report XXXX and others that are false. After disputing the information and making payment that settled the debts, the reported information shows no update that reflects the settled account debts. When settled First Horizon agreed to remove the items. Most importantly the false accusation entered as suspected fraud is baseless, it was not properly investigated, and the character of the debt being associated to fraud violates my consumer rights and it's damaging. I accepted a a third party payroll check from a past associate that was placed on hold and released by the bank, there was no issues with it's validity. After, the overdraft of my account for unrelated unforeseen charges the bank reviewed my account discovery the mistake of the bank whom stated that my account did not allow third party deposits and reversed the credits solely based on the mistake of the bank. The bank decided to prematurely close the account and notate two falsely characterized occurrences of one incidents when submitting the occurrences separately on my consumer reports. The amounts has been settled which the entries do not reflect settlement, and the entries make false claims related to and described as fraud and account abuse which is retaliatory in nature for reason of the bank having to disassociate from it's actual mistake made on the account, further in an attempt to secure it's position without being subject to legal remedy it inflated the infraction, and the bank did not accept any statement from myself or the owner of the check which is failure to properly investigate the incident and allowing the bank to take the level action which is faulty business practices.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account has been sold to a different bank Fed loans and Fed loans has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Consumer complaint received 2022-03-06
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. (IN)

Experian is reporting an inaccurate account on my credit. Experian is reporting an account with XXXX XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. The other two reporting agencies XXXX and XXXX do not list this account on my credit report. Experian is inaccurately reporting this account on my credit report and it is causing my undue financial hardship. I have contacted Experian since 2021 to remove this account and have provided a copy of that communication with Experian.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :