davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XX/XX/year>, XX/XX/year> I Disputed three times and i have called them they told me i would have to speak to the credit bureau to get this off my credit. The amount of {$9500.00}. They do not have the credit address or information on file to verify me as well.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I applied to consolidate my loans with Moehla in early XXXX. I have called several times since then and keep being told it should be processed by the XX/XX/XXXX deadline to apply for XXXX. I have called several times this month ( now XXXX ) and cant even reach anyone. Ive been kept on hold for hours at a time with no one ever answering. My loan still has not been processed and with no way to get in touch with anyone I fear I will miss the deadline
Consumer complaint received 2022-10-11
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. (WA)

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, 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear CFPB Team, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. After reviewing my credit report from TransUnion, XXXX, and XXXX, I noticed the following inquiries that I do not recognize and did not authorize : [ List of Inquiries ( include company names, dates of inquiry, etc. ) ] I request that these inquiries be removed from my credit reports as they were not authorized by me. To resolve this matter, I would appreciate it if you could investigate these inquiries and take the necessary steps to correct my reports with the credit reporting agencies.

Attached are copies of my credit reports showing the disputed inquiries, along with identification documents to verify my identity. Please let me know if any additional information is required to process my request.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX And XXXX XXXX XXXX I Have sent them a letter XX/XX/year>, and XXXX of XXXX  About showing proof of me authorizing payments with them. Still have not received a response.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Systems Intl , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company ANY consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Systems Intl Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Systems Intl Inc Continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Intl , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (AL)

On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of Wholesale mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a XXXX late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and Wholesale Mortgage refuse to correct the mistake.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, XXXX, XXXX, and to a lesser extent Trans Union update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that Trans Union has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America 's check clearing practices are helping the fraudsters out there and BOFA refuses to do anything about it. In my specific situation BOFA cleared 2 mobile deposits on XXXX and XXXX for {$950.00} each. The checks were not put on hold like they should have been based on my account history of having {$250.00} MAX, i also NEVER. BOFA then goes to clear the fraudulent checks which I assumed were good. Of course funds were used and the checks then reversed out 2 days later overdrawing my account and BOFA WILL NOT ACCEPT ANY RESPONSIBILITY. BOFA should have NEVER cleared the checks they should have been rejected from the get go. PLEASE HELP!!! The fraudsters know to target banks like Bank of America for this reason! These are terrible check clearing practices!!! BOFA doesnt even look at the average balance in the account before clearing a check, nor do they look at past check deposits!!! The rep also mentioned that the mobile deposit process is SIGNIFICATNLY different than the paper check process, WHY??? PLEASE HELP to investigate these predatory practices, they are helping the crooks!!! Currently they refuse to refund my account or process my claim, if BOFA returned the check as unpaid this would have never happened. PLEASE PLEASE PLEASE INVESTIGATE THEM!!!
Consumer complaint received 2022-10-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-11
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. (VA)

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 XXXXXXXX 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 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-04
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. (IN)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2022 : received two emails from bank of America, first one asking to verify my email, and then directly afterwards that I was approved for the " XXXX XXXX XXXX XXXX XXXX XXXX '' Did not open/respond to either emails at the time, thinking it was someone phishing and I was at work. 
XX/XX/2022 : received an email from bank of America, saying my credit card was on the way with my correct address. Email looked legit so called bank of America the next day to close the account unable to get to the correct person at that time. 
XX/XX/2022 : Bank of America account closed, no charges made to the card.
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complain and I'm including it again. 
Here are the items that needs attention in my file : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2024-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

Please see the attached word document for this text below as well as the relevant screenshots of the rewards missing ( ~ {$750.00} each on two accounts ) Dear CFPB Team, I am writing to formally lodge a complaint against US Bank regarding the unresolved disappearance of points from my XXXX XXXX XXXX  : the US Bank XXXX XXXX XXXXXXXX ( central billing acct XXXX ) the US Bank XXXX XXXX XXXX XXXXXXXX ( central billing acct XXXX ) I had met the initial spending requirements for the bonuses ( XXXX for XXXX and {$750.00} for the other ). 
Upon initiating a central billing account change for streamlined management, I was assured that my rewards points would remain intact. However, XXXX points from each XXXX in totaldisappeared after the change. Following this, I reached out to US Bank, where I was informed that this is a known issue at US Bank when trying to move away from a XXXX XXXX account but the points would be reinstated within XXXX statement cycles. However, even after this time period ( now XXXX cycles ) has passed, the points remain missing. 
I have attached the following documentation as supporting evidence : 1. Screenshots of account balances before the central billing change, showing the points accrued in each account.

2. Documentation of recent statements or account summaries showing the missing points balance after the central billing conversion. 
This appears to be a general known system issue that US Bank is known to have but one where the bank does not generally pay attention to. I would appreciate the CFPBs assistance in facilitating a resolution with US Bank and ensuring that the missing rewards points are restored to my accounts as promised. 
Thank you for your attention to this matter. US Bank has offered great products, but its just a case of needing some help from CFPB to push them to fix some archaic systems. Causing this issue. 
Sincerely, XXXX XXXX For the screenshots, ensure they include : 1. Account balances or rewards summaries showing the original points for both the US Bank XXXX XXXX and XXXX XXXX accounts. It looks like the points associated with these accounts had been wiped out. 
Screenshot for Business XXXX XXXX ( {$760.00} ) this can still be found when clicking rewards in the central billing account XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) this can be found when clicking in the central billing account XXXX Recent statements associated with these accounts. I believe that after a statement it looks like new points are posting properly, but Ive yet to redeem any points until I can get US Bank to look into the system and resolve the overall issue so its easier for them to reconcile.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that is reporting this information on my report. I just want to inform you that I talked to the bank and they agreed to CORRECT the account. BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I just want this account be corrected based on FCRA Laws. 

XXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2022-10-03
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-05
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: AmeriCollect (LA)

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report Please see below for detials. 
Americollect INC XX/XX/XXXX in the amount of {$220.00} Americollect INC XX/XX/XXXX in the amount of {$130.00}