davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Consumer complaint received 2022-05-03
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX 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 any purpose.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting Act XXXX 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 any purpose.
Consumer complaint received 2022-04-12
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. (TX)

The creditor XXXX  ( account # XXXX ) committed improper reporting of my report by charging the account off in XXXX, then started reporting it as a late payment in XXXX, to include not having permission from me to report anything about my file. 

The account XXXX XXXX XXXX ( account # XXXX ) reported that I owed a balance of which they never confirmed was mine starting in XXXX of XXXX. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-20
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: MoneyLion Inc. (TX)

On XX/XX/2021 I received a fraudulent withdrawal in bank account for {$1000.00} from a company called MoneyLion. Having never heard of this company I immediately contacted my bank and informed them of the charge. The bank informed me that someone had gained access to my bank account number and used it, since this was the second fraudulent charge on my account in just a few weeks they suggested me close the account. They also suggested I contact MoneyLion while they preformed their investigation. I contacted MoneyLion and informed them that this was not me and that I had recently had other fraudulent charges on my account as well and would be closing the account per the banks fraud departments instructions. MoneyLion informed me that they would also be doing an investigation and would contact me as soon as they had completed it. I never heard from Moneylion again and the bank refunded my money as well as closed the account. I assumed everything was worked out. 
Yesterday, XX/XX/2021, after looking into my credit report I found that MoneyLion was still on my credit and was reporting a balance of {$1000.00}, a high credit of {$1000.00} with a {$130.00} passed due amount, a monthly payment of {$96.00}, and that I was 30 days late on payments as of XX/XX/2021. My credit report shows that on XXXX this loan was opened on XX/XX/2021 as for XXXX and XXXX the loan was opened on XX/XX/2021. 
I immediately contacted MoneyLion 's customer service. I again explained that this was a fraudulent charge which I had previously contacted them about and that the bank account used had been shut down due to fraud. After asking for my information to verify me and to look up my account with them I was told they would have to do an investigation. When I asked what resulted from the previous investigation the gentleman informed me that he did not see a previous investigation. I then asked to have the account information sent to me from when this was set up so I could see it and he then told me that I did not even have an account with them. When I asked how that was possible he said he only had limited information on his end and would need to speak with the back office who handled these situations. I asked for the number to the back office and whomever handled this to which he informed me they do not have a phone. I them proceeded to ask how that was even possible considering it is XXXX and everyone has a phone. I asked him how he contacts them and he said they have a server to which he contacts them. He then said they would contact me after they finished their investigation. I asked how that would be possible without a phone and since I had never received anything before how would I know that they would really get back to me. The gentleman then proceeded to act as if he could no longer hear me even though he would stop talking as I was speaking and then hung up on me.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

spent {$3000.00} in XXXX months and the customer representative extended the last day to XX/XX/2020. I made another eligible purchase of {$900.00} XXXX pay for the rent XXXX on XX/XX/2020 which met the spending {$3000.00} offer. Actually, I asked their customer service and they confirmed I can get the XXXX American airline bonus if I made the XXXX purchase on XX/XX/2020. However, the Citi bank refused to give me the XXXX XXXX XXXX miles offer and tried to contact their customer service many times. Their customer service just cut the connection almost every time. Personally, I would not open any cards from Citi bank.
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts listed 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 Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors. 
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. 
( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (NC)

Called and disputed these inquiries online on my XXXX credit report several times. I have had success getting these removed from my other credit reporting agencies but for some reason XXXX will not work with me at all I dont know what else to do at this point this is hurting me and my credit. These are the inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/22, and XXXX XXXX. I did not authorize or approve these in at or have any use for them.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

# XXXX XXXX You sent me letter closing above cases due to info requested not supplied I send two documents XX/XX/XXXX to XXXX ( copies attached so please do not make false accusations ) I provided the calcualtions for my bills and why the two disputes Please credit me again and open this dispute I wish to open case again and credit me again my {$17.00} amd XXXXXXXX XXXX from XXXX XXXX that was rebilled purchase.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

I deposited {$10000.00} in cash to my personal checking account. Chase Bank put an indefinite hold on my money and are refusing to close my account and give my money back. 
I have been given no reason except for investigation purposes. It has now been 3 months that I have been trying to get my money out to pay mortgage and car payments. 
They refuse to give me what is legally mine. 
They refuse to give me a reason. I already went above the branch and have contacted executive offices and they are giving me the same excuses. Do NOT trust Chase! They will steal whats rightfully yours!
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NC)

I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate accounts off my credit report. Equifax stated that my account was properly investigated, but how so is that possible when the other bureaus investigated the same item and removed it. 
And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acc. # 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 an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (NY)

i received a hard inquiry on my TransUnion account from XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to TransUnion to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from XXXX XXXX XXXXXXXX. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For almost 4 years I have been complaining regarding a stolen discover card, theft, identity theft, impersonation, and fraudulent payments that allowed the credit limit to be exceeded. I have been denied information that would have proven the fraud such as payment methods used by the thieves and phone conversations. Yesterday I received the attached response from Consumer Financial Protection Bureau stating the account was going to be finally re-investigated and may take up to 90 more days. ( 0 more days is more than 4 years after the fact. I request a speedy investigation by XXXX, XXXX and Transunion. Per the FCRA, the validity, completeness and accurateness should have been accomplished long ago.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriHome Mortgage Company, LLC (CA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am a good customer. No late payments, no issues. 
I called XX/XX/XXXX to pay my XX/XX/XXXX mortgage payment of {$1300.00}. I received no notice of an increase. It is a fixed mortgage. I've lived here for XXXX  years. Mortgage payments should be getting smaller, not larger. On XX/XX/XXXX, Select Portfolio Servicing informed me that my payment is now {$1500.00} - an increase of {$200.00} per month. 
I asked why, and after speaking with XXXX levels of support and spending the entire day trying to get to the bottom of this, a supervisor finally explained : XXXX. My taxes increased by {$180.00} for the year XXXX. My insurance increased by {$450.00} for the year ( which has since been corrected. I called my insurance company & that was a mistake. My insurance is actually lower than it was ) XXXX. That's a total of {$640.00} in increased escrow for the next XXXX  months. Last year, my escrow increased by {$420.00} & I paid it in a lump sum to avoid increasing my monthly mortgage payment. I told SPS I would do the same with the {$640.00}. 
XXXX. SPS said they were charging me {$640.00} PLUS and additional {$1100.00} for extra CUSHION, just in case!
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

Re : Convergent Outsourcing Inc., a Debt Collection Company ; XXXX XXXX, My Credit Profiles indicate Convergent Outsourcing Inc., a Debt Collection Company, placed a Collection on my Credit Reports in XXXX ; however, I did not receive a mailed notice of the debt until after XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), the consumer must receive notification of debt and an opportunity to dispute the debt before being added to any credit profile. 

Additionally, I did not give explicit consent to Convergent Outsourcing Inc., and for that matter, I did not conduct business with Convergent Outsourcing , Inc . 

Further, through the Consumer Financial Protection Bureau, these business matters with XXXX have been resolved ; I am uncertain why Convergent Outsourcing Inc. is attempting to collect on a fixed CFPB case. 

Kindly delete the collection account from all three ( 3 ) ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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.C1692C Section ( a ) Communication with the consumer Generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debts.