davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2020-12-15
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. (IN)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-07-09
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: Automated Collection Services, Inc. (SC)

I owned a home in XXXX, XXXX, I had moved to XXXX, when I received a water/sewer bill from XXXX XXXX/XXXX  for {$780.00}, Normally my bill was approximately {$150.00} to {$200.00} dollars. I contacted XXXX XXXX/XXXX  due to a water leak while the home was vacant for several months. I had the water line replaced on or about XX/XX/XXXX. XXXX XXXX, told me that they would investigate and correct my high utility bill. I was waiting for a corrected bill. Which I was never contacted or received any correspondence from XXXX XXXX. I called XXXX XXXX told me they turned it over to collection and they would do nothing. I checked my credit report on or about XX/XX/XXXX and on my credit report I found out it was turned over to Automated Collections on XX/XX/XXXX as a collection account. I contacted Automated Collections at XXXX XXXX XXXX, XXXX, XXXX  XXXX about why the collection account. Automated Collections told me if I paid the bill they would remove it from my credit report. On XX/XX/XXXX, I paid the {$780.00} to them. However, it was not removed from my credit report. I called Automated Collections as to why it was on credit report and they told me they would not remove it " good luck ''.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (GA)

Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.
Consumer complaint received 2020-07-09
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. (MD)

XXXX has been reporting information to the credit reporting agencies without my written consent. I contacted the bankruptcy court and they did not release the information to them. My rights have been violated by XXXX and Transunion and my reputation has been damaged as a result of their false reporting.
Consumer complaint received 2022-07-14
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. (WA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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, has 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 2020-07-09
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-07-09
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (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. 

XXXX XXXX XXXXXXXX XXXX, XXXX I.Q. DATA INTERNATIONAL , INC, Account Number XXXX, has 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 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.

Not only was the debt incorrect, but we resolved this issue in XXXX, per the Covid Guidelines. I had no knowledge of this debt until I appeared on my credit report XXXX. Once I disputed it I received a letter from company stating it will stay disputed.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently.My funds are stuck in paypal, My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE 3 CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc. (CA)

This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX.
Consumer complaint received 2021-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX we purchased an apartment in XXXX XXXX, NJ and obtained a refinance loan primarily for renovations. At that time Wells Fargo provided an appraisal of {$330000.00}. At the time the appraisal seemed very low and there were multiple material discrepancies in the appraisal report itself. We disputed the appraisal but Wells Fargo sided with the appraiser. 
In XXXX of XXXX, given the very low interest rates, we decided to refinance from a 30 year mortgage to a 20 year mortgage. Again, the Wells Fargo appraiser visited our residence and returned with an appraisal that was well below the appraisal from XXXX ( prior to all the renovations being completed ) of {$260000.00}. We disputed this appraisal, and it was adjusted to above the original appraisal from XXXX to {$350000.00}. We remained unsatisfied as apartments of this quality sell for much more in this immediate area. As with the appraisal in XXXX we thought that perhaps there was some bias in that this is a XXXX  household, especially given the lack of explanation from Wells Fargo. Because we disputed this second amount with a claim of bias this was 'escalated ' to Wells Fargo 's executive offices for redress. We were contacted by the office and a 3rd appraisal was scheduled. Again, the appraiser visited our residence and returned his appraisal ... this time below the adjusted amount of the original XXXX appraisal and BELOW the XXXX appraisal DESPITE THE FACT THAT THE APPRAISER NOTED IN HIS REPORT THAT PRICES OF APARTMENTS IN THE BUILDING AND THE AREA HAVE REMAINED STABLE AND INCREASED. The last appraisal was {$320000.00}. 
We asked how, within a space of less than three weeks can a value go from {$260000.00} to {$350000.00} then to {$320000.00} ... the representative stated that " appraised values are simply the opinions of the appraisers '' We have had contact with the executive office at Wells Fargo but they 'stand behind ' all their appraisers and their reports. The agent at Wells Fargo stated " appraised values are opinions of the individual appraiser '' lending credence to the likelihood that this is same-sex discrimination. The written correspondence from Wells Fargo intentionally omits several material facts and when asked why, the representative said he didn't think these material facts were relevant.
Consumer complaint received 2022-12-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Palm Beach Credit Adjustors, Inc (FL)

I have sent a letter to the company regarding the details of the letters they have sent to me. I have told them that they have violated my consumer rights and broken federal law. I have also sent them a cease and desist and stated that all further communication shall be through mail, no phone calls. I listed the laws they broke and how they broke them along with their civil liability for breaking them
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IN)

XX/XX/2021 This complaint is in followup to my previous complaint # XXXX. Bridgecrest did not accurately update/correct my credit reporting as promised as a result of my previous complaint ( See attached letter confirming this ). Per Bridgecrest 's published response to my previous CFPB complaint, all credit bureau reporting was to be updated to remove all derogatory information. During my telephone conversation with XXXX XXXX. ( Bridgecrest Compliance Dept. ) on XX/XX/21, I notified her that my credit reports have NOT updated accordingly as promised. She advised that perhaps the credit bureaus have not updated yet and suggested that I contact the bureaus because it was not the fault of Bridgecrest that the bureaus have not updated. However, I have disputed with all credit bureaus in order to have the reports updated. They have completed their investigations and all have confirmed that Bridgecrest is still reporting my account as a " PAID CHARGE-OFF '' with a " MAJOR DELINQUENCY '' first reported XX/XX/2021. The most recent completed dispute/investigation results are from XXXX  dated XX/XX/2021 ( over 45 days since I was first told that my reporting would be changed to show no derogatory information whatsoever ). I have, indeed, followed the advice of XXXX XXXX from Bridgecrest by contacting the bureaus as well as filing credit disputes in order for an investigation to be carried out. The results of these actions confirm that my account is not being reported as completely positive with no derogatory information as promised ( in a telephone conversation with XXXX XXXX on XX/XX/21, by a letter sent via XXXX First-Class mail from Bridgecrest datedXX/XX/21, and by the Bridgecrest response on XX/XX/21 to my CFPB complaint ). As of today, XX/XX/2021 ( 90 days since I was told that my reporting had been updated to reflect a positive status with no mention of any negatives ), XXXX and XXXX  are still both reporting DEROGATORY, PAID PROFIT AND LOSS, CHARGE-OFF, etc., which is not the information that Bridgecrest promised to report.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Mortgage loan # XXXX I had a payment deferral program about a year ago during the pandemia. I was granted 3 or 6 months of PAYMENT DEFERRAL, NOT A FORBEARANCE. They managed to mess up my loan to the point that they asked me to pay the month of XXXX, which I did not owe. I must have spoken to several persons and they ended up repotting " a missed payment '' that messed up y FICO. I had to file a complaint with you and deal directly with their Executive Offices. After much back and forth they finally corrected my XXXX  credit report and all other bureaus. I owe this to YOU and my persistence. But lo and behold< they blew it again. I have been paying my P & I payment on time ( always on the first day due ) and I paid XXXX and the website showed the payment applied correctly and that the next payment was due in XXXX. I made that payment on XX/XX/XXXX by means of my XXXX  CHEKING ACCOUNT but today they don't show the payment posted and they show next payment due date to XX/XX/XXXX. I sent them a email message and was told that to get better service to call the Home Retention Program which I did today ( XX/XX/XXXX ) and spoke to XXXX who transferred me to XXXX who promised to call me back with a solution but never did. Ladies and gentleman BofA functions like a fourth class bank, please help. I was in XXXX 35 years and am an XXXX. My FICO with BofA is XXXX. I can stand this mess anymore
Consumer complaint received 2021-04-30
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. (MA)

I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''
Consumer complaint received 2021-04-30
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. (PA)

TransUnion reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with TransUnion since XXXX. TransUnion had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.