davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (KY)

Account name : XXXX XXXX XXXX XXXX XXXX I tried to dispute this collection account 4 times with Transunion and XXXX agency without any result. This companys and collection agency has violating my consumer rights and also violates federal laws 15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate I send screen shot from my credit report and on Collection account appears as XXXX XXXX XXXX as creditor, when the right creditor name is XXXX XXXX XXXX information is not accurate and they update creditors name, that is the first violation. Also, i reques to the collection agency a copy of they permit authorization to collect any debt in XXXX Kentucky, they never respond to my as laws requieres within 30 day, this request was sent to them a year ago, and XXXX says they answer to them as that collection belongs to my and the information is accurate when is not
Consumer complaint received 2022-09-28
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)

CFPB + Equifax, On my XX/XX/2022 I notice you still have not added a credit card account that I have had since XX/XX/2022 - with XXXX XXXX XXXX XXXX  I want this account updated so it accurately shows on my Equifax report - this was opened 55 DAYS ago. 

Enclosed with this complaint is : - my drivers license - my social security card - my mailing address - my written complaint - my XX/XX/2022 credit report from XXXX XXXX XXXX - my last 2 credit card statements with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Modern Adjustment Bureau (OK)

Both accounts were closed and charged off in 2015. 

Amount owed for both accounts has increased multiple times, and accounts have been reported as new delinquency on an annual basis, resetting the clock. 

The original creditor can not validate the amount owed/charged off. The collection agency is unreachable by phone.
Consumer complaint received 2022-12-07
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. (NY)

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX A XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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: I.C. System, Inc. (GA)

In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-12-18
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)

According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. XXXX XXXX XXXX XXXX failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. 
according to my records, other companies had acquired the debt before XXXX XXXX XXXX. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of XXXX XXXX XXXX XXXX back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. XXXX XXXX XXXX did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe XXXX XXXX should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them XXXX calendar days and counting to do so which I believe is unfair.
Consumer complaint received 2022-12-07
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. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : 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
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : 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 Balance Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-18
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. (LA)

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 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

I was trying to accept a payment for an online sale via Zelle which I had never used before. The person who scammed me ( I know now ) sent an email saying my account was frozen because I could only accept a lower amount than they had sent and that they needed to send a higher amount that I would then need to send back to them. I called my bank and my account was frozen so they unlocked it for me. And I sent the money that I thought had been sent through. Then I got an email from Zelle saying the person had double payed by accident and they wouldnt release the funds until I sent another {$500.00}. I tried to contact Zelle but you can not talk to anyone at that company when you call. I wanted to confirm that any of this was correct ; I talked to my bank several times and they did not flag this. I finally realized it was a scam when they said the ladies account was locked and I needed to send additional funds via XXXX. So Ive lost {$1000.00} right before XXXX and because XXXX cant get in touch with anyone from Zelle I have so chance at notifying them that this persons account is being used for fraud.
Consumer complaint received 2022-11-17
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. (CA)

Company : XXXX XXXX XXXX, experian, and XXXX XXXX XXXX collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of XXXX passing the statute and should be removed from my credit report completely.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NBT BANCORP INC. (VT)

NBT Bank, a New York bank, failed to cancel a car loan payment made through their internal bill pay services after I had explicitly canceled internal bank payment. 

On XX/XX/2022, I called to have their internal payment canceled. This was in order to control my payment through their provided web portal. In the call with customer service, I was sent a form to fill out, sign, and return by email to cancel their internal payment. I returned that same form on XX/XX/2022 to XXXX. 

On XX/XX/2022, I found that not only did they NOT cancel their internal payment for my auto loan, but also the payment that I setup to replace their internal payment was charged. I called their customer service questioning why my cancelation request was not put through. I was informed that they had received the request but had failed to cancel their internal payment. I was then informed that they could not cancel, refund, or stop either payment made to NBT Bank. 

As a result of this, I have been double billed for an auto loan payment and was required to make efforts with my own bank to cover the unexpected expense of double billing.
Consumer complaint received 2022-12-07
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)

As stated on XXXX If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX  days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, Experian, and XXXX to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my XXXX report it only shows XXXX inquiry because it was done within the timeframe.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX XXXX XXXX has Violated my rights. 

15 USC 1681 Section 602 states I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a cunsumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a Auto Loan account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IA)

During XX/XX/2022 I refinanced my house and Suntrust administered the mortgage. At the time the mortgage was taken out, my mobile number was XXXX, and my email address was XXXX. Neither my mobile telephone number nor my e-mail address have changed. 

I then received emails notifying me that Suntrust had become TRUIST. 

On or before XX/XX/2022, I changed my address of record by logging into my mortgage account online with TRUIST to my current address which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022, the mortgage balance was paid in full. 

On XX/XX/2022, I called TRUIST to inquire about my escrow funds. The person I spoke with said the funds were sent to my old address where I no longer live, and that they did not have my email address or my mobile number that had been provided at the time I took out the mortgage. 

I asked TRUIST to place a stop pay on the escrow check and send it to me at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and again provided that address a second time by telephone. 

To date, I have not received my escrow funds that are more than {$10000.00}, nor has anyone at TRUIST attempted to contact me to tell me the status of why I have not received these funds.
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (TX)

I submitted dispute 3 times for Experian to verify this account for accuracy and even have a pending complaint the CFPB but the account came back verfiied 2-3 days after the complaint submitted but not showing updated w/ the CFPB .. Experian did not look into my dispute nothing Per the FCRA i have the right to complete investigation and Experian did not do that The following account was charged on XX/XX/XXXX but Experian continues to report charge off every month which this is an update on my payment history from my understanding a charge off account is a dead account and should not have a active payment history Experian has failed to fix this issue " per there response This item remained unchanged from our processing of your dispute in XX/XX/XXXX "
Consumer complaint received 2022-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

1. Bank of America ( BOA ) serviced my loan from XX/XX/XXXX through XX/XX/XXXX. 

2. On or about XX/XX/XXXX, BOA acquired HELOC from Countrywide Home Loan. 

3. On XX/XX/XXXX BOA transferred beneficial rights to XXXX XXXX XXXX XXXX. BOA must provide a copy of the original promisory note and copy of the endorsement verifying the assignment and the transfer of the note. 

4. BOA refuses to provide the documentation and after 30 days does not give any documentation sought in 3 complaints with lats 4 digits XXXX, XXXX and XXXX rather all 3 complaints remain unanswered. 

5. I am filing the complaint to CFPB Ombudsman to intervene and resolve the issue.
Consumer complaint received 2022-09-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Inquiries on my report that I have no knowledge of... 
XXXX XXXX - XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: OneMain Finance Corporation (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-03
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: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account activity without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose