davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told the XXXX, Transunion, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2022-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I did 13 XXXX transactions they were for credit for a game and they scammed me it was fraud I disputed them with my bank but they didn't do anything they closed and said no fraud the other 2 out of 11 were for a computer XXXX and XXXX I want my money back. they scammed me on all of these and there was fraud on there end they didn't even investigate they jus closed my cases. its Wells Fargo the dispute case numbers wit Wells Fargo are XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TCF NATIONAL BANK (NC)

My credit card was hacked several months ago. TCF Bank in XXXX, Michigan locked the account and told me that a new credit card would be sent in 7-10 business days. After six more calls, the bank personal that the card has not been sent after several tries. The bank manager was to call me last Friday on XX/XX/XXXX. Still no call or card. I have bills to pay that are past due and like to know what can I do to get this settled. It has been over 40 days now.
Consumer complaint received 2022-10-10
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. (MO)

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions. 
15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years. 
15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
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. (OH)

XX/XX/XXXX, Experian has not explained why I learned from lead supervisor of XXXXXXXX XXXX  XXXX, XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that Experian had " purged '' my account from Experian 's database which is a direct contradiction to Experian 's response dated XX/XX/XXXX and to their response XX/XX/XXXX that does not acknowledge this issue - " purged. '' I have had this mortgage since XXXX almost 20 YEARS. This does not make sense. 

I did not ask to have my mortgage file purged from Experian, and XXXX said they did not ask to have their trade line purged from my account. 

Why did Experian " purge '' my mortgage credit history? My mortgage credit history is on all the other credit bureaus? 

I do not need a report mailed to me in 10 days that does NOT include my mortgage history. I already have a credit report sent to from Experian that is incomplete in XXXX. I am getting terrible and dishonest service. 

Experian has provided form response that does NOT answer the question or lead to a fair resolution. 

Why was my mortgage history purged from my credit report by Experian? This history is the most significant one to my credit score and credit worthiness.

Who authorized this kind of action against me and why? I have spoken to many Experian representatives over the past few months and not one has told me the truth. 

They kept saying that they were not getting a report from XXXX XXXX XXXX XXXX XXXX and nothing about having deleted their trade line from my credit file. They gave me a number for XXXX to call XXXX and no one answers this number for the BUSINESS side. It rings and rings. XXXX XXXX had to send an email and he reached XXXX who opened a file to address the concerns to find a resolution.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

I have been trying to dispute this for years. I had a student loan with XXXX XXXX XXXX which was transferred out of nowhere in XXXX. I have late payments reported from XXXX to XXXX that are invalid. I need reviewed please
Consumer complaint received 2022-12-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

XXXX ( XXXX ) sent Pennymac a reinstatement and monthly mortgage via electronic deposit on XX/XX/XXXX. Pennymac claims they have not received a payment. Pennymac keeps hanging up on me and will not give us an answer as to where the money is just claiming they didn't receive it yet they did. Meanwhile our mortgage is late when they have the fund but have not applied them.Loan - # XXXX pennymac number XXXX. 

Additional payment will be sent for five months at monthly intervals. If the money was sent electronically..they have it and are deliberately living and holding the money maybe for interest... meanwhile our loan is late.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (OH)

Atlantic Recovery Services ( ARS ) is a debt collection service that is attempting to collect debt for an ex-husband ( XXXX XXXX ) whom i divorced 10 years ago. After repeated calls to me over the past six months and repeated discussions advising I have no legal connection to my former husband, I continue to receive harassing phone calls. I've been advised by several of the companies representatives, including management that i would be removed from a calling list. However, i continue to receive calls. I have even tried blocking the company 's number. They are circumventing the block. These calls are adding to my anxiety in these stressful and tumultuous times. I filing a complaint as a hopefully final recourse to stop the harassing phone calls for debt that I do not owe. 

XX/XX/XXXX Call from ARS. Called back and spoke to representative. 

XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXXCall from ARS.  Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS XX/XX/XXXX Call from ARS XX/XX/XXXX Call from ARS. Called back and spoke to several representatives XX/XX/XXXX Call from ARS. Voice-mail left on my phone
Consumer complaint received 2020-10-15
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: CCS Financial Services, Inc. (AL)

Credit Collection Service is reporting an account on my credit reports. I do not have and have not ever had any form of communication with this company. I did not pay them. They are reporting inaccurate information on my report that is damaging my credit profile. If I am denied credit, I will be forced to seek legal action. The account was not correctly verified per the FCRA. This account must be removed from my credit profile immediately. Their listing makes it seem like I had a collection account that I paid which is misleading and incorrect.
Consumer complaint received 2022-10-25
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC (MS)

Due to XXXX XXXX XXXX paid my mortgage.I have delinquencies on my credit report due to XXXX XXXX gathering the necessary documents from Shell point mortgage to get the mortgage paid please remove this negative off my credit if possible and if any other information is needed please call me XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-10-16
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. (IL)

I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX  balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony  to close my account with a XXXX  balance, and it seems impossible to get the account closed!!
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (TX)

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, 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, 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.
Consumer complaint received 2022-10-10
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: CarMax, Inc. (IL)

in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-09
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: JPMORGAN CHASE & CO. (NJ)

On my credit report it says its a charge off with a past due balance. According to the law and fair credit consumer laws they received a 1099-c, tax credit and by law due not owe that balance. Also this is a third party. In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.
Consumer complaint received 2022-12-13
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. (VA)

I got a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 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 2020-10-16
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. (IL)

I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Consultants of California (FL)

I have 5 debits listed that continue to change listing dates. Two of them in the amount of {$19000.00} and {$1100.00} where acquired XX/XX/XXXX and are listed on my credit report as opening a second time in XX/XX/XXXX. I have another two for XXXX XXXX that where acquired at the same time in XXXX yet they have been relisted as XXXX and XXXX.The last one that is incorrect is the nationwide recovery for the amount of {$260.00}. It is listed with a date of XXXX. I have not been seen by this hospital since XXXX. So the date should be from XXXX not XXXX. When the debits come close to the 7 year mark they are taken off and then relisted. Just as the one For {$19000.00} it was listed in XXXX and now again in XXXX. The ambulance one from XXXX for the amount of {$1100.00} was listed the same day as the {$19000.00} and its date has not changed.
Consumer complaint received 2022-10-25
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. (DE)

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.