davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-10-26
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)

Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2
Consumer complaint received 2022-10-26
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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

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

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

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

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

15 U.S.C. 1681 Section 602 A : I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-23
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: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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 an 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-10-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC (WI)

1. Our mortgage payment was made in a timely manner via NewRez.com online payment portal at XXXXXXXX XXXX eastern time zone on XX/XX/2022 in the amount of {$1100.00}, but due to the natural disaster Hurricane Ian some communication facilities were not available to us as we were in XXXX Florida assisting with disaster response ( Internet & cell reception ). We called the next day confirm payment, NewRez said payment was received but marked it late. We believe this is in error. 
XXXX. We believe this error creates civil liability for NewRez LLC dba ShellPoint Mortgage Servicing under Title 15 USC 1681o, Title 15 USC 1681n ( B ) ( 2 ) ( a ), and USC 1693 ( h ) ( b ) ( 2 ) and 1693 ( h ) ( c ) due to inaccurate credit reporting to credit bureaus. 
XXXX. XXXX XXXX XXXX XXXX is requesting documentation of all banking documents/ agreements/ contracts/ financial instruments any other communications either written, typed, emailed, recorded or otherwise associated with loan # XXXX originated on XXXX and the estate seeks validation of this debt pursuant to 15 USC 1692 ( b ) 4. On XX/XX/2022 XXXX XXXX XXXX, was appointed ATTORNEY GENERAL in fact over the entity known as " XXXX XXXX XXXX '' ESTATE and revoked all previous powers of attorney, and disaffirms any and all contracts and/or powers of attorney previously entered during infancy. ( See attached document ) 5. NewRez LLC dba ShellPoint Mortgage DOES NOT have permission to use the trademark XXXX XXXX XXXX to conduct ANY business transaction or send data via mail, electronically, telephonically or by any other means to any 3rd party until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) 6. NewRez LLC dba ShellPoint Mortgage Mortgage DOES NOT have permission to use the social security number attached to the entity XXXX XXXX XXXX XXXX XXXX XXXX ANY business transaction or send data via mail, electronically, telephonically or by any other means to any XXXX parties until further notice. ( SEE ATTACHED FEE SCHEDULE & TRADEMARK ) We would like a swift resolution on this matter by XXXX, XXXX  Please send all requested documents to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/year> my checking account with all my money in it was hacked and multiple fraud claims were committed on my account, XXXX of them being through XXXX. I noticed about a dozen incorrect errors that were occurring on my account within the same time frame and realized somebody had access to all my personal information. I have reason to believe my phone was hacked by a merchant I paid in Chime minutes before the XXXX transactions went through, which I had to also report. I was also going to a community gym where someone couldve easily had access to my phone around the week of the XXXX. I called immediately reporting that all my funds were being stolen. I had to CLOSE my account, close online banking, and change my debit card. I reported everything to us bank and us bank denied the ones submitted to XXXX upon submitting my dispute XXXX. These are the XXXX claims i am submitting to Consumer Financial as my complaint towards XXXX dept U.S. Bank who have not cooperated with this awful situation that has left me a XXXX person with no funds and my life was completely affected by this ambush. I am a victim of fraud. Please help me get my money back. These are the following claim numbers with them and this is the total amount : XXXX {$63.00} XXXX {$100.00} XXXX {$450.00} XXXX {$660.00} Total : {$1200.00} FRAUDULENT DISCREPANCY BEING DENIED I NEED MY MONEY BACK PLEASE
Consumer complaint received 2022-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

we are just trying to pay our balance to XXXX. BofA has held our money for over 2 weeks, and no trace of it being returned or applied exists. they have threatened to charge us additional interest if we do not send them more money immediately even though we have sent them more than the balance of our payoff. I was yelled at and told that it was my fault that this happened because I don't know what their nomenclature is. 
BofA will not apply our payment BofA will not return our wire BofA is threatening us with additional interest charges and delinquent reporting if we do not send them more money. 
BofA has blamed me for this occurring on a recorded phone call with " XXXX '' XXXX sent {$67000.00} payment to BofA via wire to pay the majority or all of our balance on the HELOC XXXX made {$59.00} principal payment to BofA via online banking b/c no word on our wire being accepted. 
XXXX made {$410.00} payment to BofA via online banking b/c no word on our wire being accepted. 
to date we are {$320.00} over our payoff balance XX/XX/XXXX BofA sends letter demanding more money, or they will charge us more interest or report us as delinquent on our payments Please note- we made our normal payment, an additional principal payment, and {$67000.00} before the XX/XX/XXXX letter was penned. 
XX/XX/XXXX had discussion with " XXXX '' from BofA. she's in collections, and she confirmed that they have my money. however, they have not applied it yet, and can not send me anything in writing or via email to confirm this. She yelled at me and told me that it is my fault that they have held my funds for 2 weeks, and will neither return or apply them until they feel like it. I thanked her for the information, and informed her that she and BofA are influcting financial strain and emotional harm to me and my family as i can not afford to just let $ XXXX just vanish or go un-accounted for. and that i would be reporting them to the CFPB. 
I have received submitted multiple complaints to BofA via online banking, with no response. 

I am concerned about my money and my family 's well being at this point. BofA is engaging in incompetence at best, or an elaborate designed process that forces consumers to pay more interest than is necessary, or allows them to hold large sums of money without escrow, and without cause to bolster their short term balance sheet.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 my payroll was direct deposited into my primary account with Santander Bank. I then transferred money from my primary account into a secondary joint account. A court order was issued against the secondary account holder and they took my money that I can prove is my money to satisfy the court order. Now they are dragging me through the coals to get my money back. Please assist!!!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do 1 one but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.
Consumer complaint received 2024-09-03
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX  XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2022-09-23
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. (SC)

XXXX XXXX has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
Consumer complaint received 2022-06-26
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. (IA)

There is wrong information on my credit report. I have tried to resolve this with this agency and they are not resolving the matter therefore not in compliance with FCRA laws.