davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-23
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. (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX : Acct # XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC (TX)

I personally sent a Debt Verification Letter via Certified Mail and First Class to CREDIT CENTER LLC on XX/XX/XXXX. This letter was delivered on XX/XX/XXXXXXXX XXXX XXXXXXXX pm as reported by USPS. In addition, I have emailed CREDIT CENTER LLC requesting verification on XX/XX/XXXX. I received an email back stating " Your message has been received, is in the process of being reviewed, and will be responded to within 24 hours. '' However, I was never responded to via email, mail, or phone. I also followed up on this with the same response but was once again never contacted.

Prior to sending any Debt Verification Requests to CREDIT CENTER LLC, I had not ever heard of this debt. I never received a letter via USPS or otherwise. I also did not receive any phone calls. I contacted the original creditor and was told that there was no information on my file regarding collections or CREDIT CENTER LLC.

CREDIT CENTER LLC reported collections in my name to all three credit bureaus. I do not recognize this debt in any capacity, but I also noticed that Credit Center LLC reported this collection account as " past due ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall granting XXXX XXXX XXXX XXXX permission to release my medical information to a third party.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (NJ)

My card was locked. When I called they stated due to suspicious activity. They did not email, call or text me to make me aware they went and locked my account instantly. There was no suspicious activity. I asked for the protocol in this situation which they could not tell me because they didnt know what to do. My account has been locked since XXXX  and they asked for proof of my social security number and license which was provided with a reference number they needed. Still they did nothing. They then asked for my four digit pin which I have never heard of a bank ask for a four digit pin since thats supposed to be personal. I spoke to a supervisor who couldnt give any type of information. Everyone I spoke too has been clueless.
Consumer complaint received 2022-12-30
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. (GA)

On XX/XX/2021, I sent letters to XXXX, XXXX and Experian requesting removal of XXXX. XXXX Bankruptcy. I sent with dispute letter information from Northern District of Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions.

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

Also, according to 15 U.S.C. 1681s-2 ( A ) ( XXXX ) : 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.

15 U.S.C. 1692C : 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 debt. 
Credit Bureaus have violated my rights numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports this is grounds for Removal.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-26
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. (FL)

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 Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2023-10-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (AZ)

I am reaching out to formally register another complaint against Global Lending Services LLC due to the harassment and maltreatment I've experienced, particularly since XX/XX/XXXX, following my submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ). The activities of your company, I believe, breach Section 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). 

After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to an unjustified past-due notification on my credit report. Such misrepresentation has negatively impacted my credit score. Furthermore, my access to the online portal has been unjustifiably deactivated despite my active loan status with your company. It's important to note that since the initiation of our loan agreement, all car payment installments have been made in full and in good faith. 

Section 1006.14 ( a ) clearly prohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' The actions of Global Lending Services LLC, as I have experienced them, fit within this prohibited description.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (CA)

XXXX XXXX XXXX XXXX SST, formerly XXXX ; my account # : XXXX Originally, I agreed to a personal ( unsecured ) loan for {$4000.00}, online. I was approved ; ( I need it for an tooth implant ). However, they let me only access {$2000.00} of it and say that I have the rest in a 'savings ' account ( theirs, not mine! ). But I object to having to pay back the interest on the whole {$4000.00}, even though i haven't received it Yet. 

The balance I owe is {$2700.00}. If I understand correctly, When that is paid back I will have access to the {$2000.00}. 
I would like clarification that if I pay back the total ( which goes up each month ) that I will not have to pay any interest on the savings of what is now {$2000.00} ) It's very confusing to me.. 

why would the " savings '' be accruing interest? IT IS NOT A SAVINGS ACCOUT, I NEVER AGREED TO THAT, it's just the balance due of {$2000.00} from the original {$4000.00}. 

The won't tell me the interest rate. 

Thank you
Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous 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 them. These were already included in my prior complaint and I'm including them again. 

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 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
Consumer complaint received 2023-03-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation (CA)

I was approved for tax exemption in XX/XX/2022, retroactively, the extra money that was paid for tax hasn't been returned to me. 

I caught XXXX in XX/XX/2022. I requested a forbearance due to other medical issues with me and my XXXX XXXX kids. Royal Pacific offered forbearance program. I was told this verbally that I could request forbearance and that I could call back and request to pay what I missed at the end of my loan.. This was explained to me over the phone with my wife. I was told verbally ( with my wife next to me ) by Royal Pacific to ignore correspondence regarding the program ( I don't remember the name but it would require me to raise my interest on my loan ). They told me to ignore the bills they gave me. When I called them back they informed me that the VA doesn't allow partial payments and that I would have to have all of it due which is XXXX dollars ( figure is an estimations don't have the paper in front of me at this time typing this ). I missed XXXX payment due to Medical issues, which I planed on making up on XX/XX/XXXX. They are now sending collection letters for the XXXX even though a person reached out to me to sign up for the CA COVID-19 financial program. Her name is XXXX XXXX and she left a message on my phone. I did this but Royal Pacific won't even wait, they keep sending me threading letters about collections, they verbally deceived me about the forbearance program Royal Pacific Offers. I have had to call them ( Royal Pacific Funding Corp ) numerous times to find out what is happening with my loan. Nobody has called me back about this. I called Royal Pacific on XX/XX/XXXX and asked someone to call me and nobody did. This has happened numerous time since Royal Pacific has administered my loan. I am a XXXX veteran and I am in danger of losing my home. They are understaffed ... ......
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, a Reported Date Opened as XX/XX/2019, and a Reported Balance of {$290.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXXXXX Account Number : XXXX. XXXX. FCDPA SECTION 807 VIOLATION IS LEADING FALSE REPORTING XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C. 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous 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 them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (TX)

On XXXX XXXX, 2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-22
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602. A. States that I have a right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC ()

Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX GBP was transferred from my wallet Gemini 's services. 

I would like to bring your attention to a serious issue I have with Gemini wires that first took place on XXXX of XX/XX/XXXX. 
I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 
The funds were transferred utilizing Gemini 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Gemini.
Consumer complaint received 2023-01-23
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. (NY)

My name is 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.