davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (PA)

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, 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 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my XXXX XXXX account to payoff the loan for my XXXX XXXX XXXX XXXX. To date XXXX XXXX has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The XXXX XXXX website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYXXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-08-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Recovery Solutions, LLC (VA)

This debt is from XXXX. Which I payed multiple amounts an double the amount owed. Then fell behind they contacted last year XXXX  me telling me there taking me to court an I have to pay. Being very assertive during this phone call an only tryin to get me to say I would pay. I told them no because its a illegal loan in my state which I didnt know when getting it with 299.99 % and in VA anything over 16 % is illegal an that I paid well over the original debt. so it went to collections which I have email them asking for all info like my payment history since they shut my account down an wont show what I paid. I have disputed this multiple times an they wont because they contact them tan they say everythings legit. They say I owe XXXX $ on a XXXX $ loan that I paid for multiple months. Ive told them that the original loan is illegal in my state an refuse to pay anymore of it. After they contacted me saying there a lawyer for the company. An I refused they sent it to debt recovery solutions. And they will not remove it. I have paid this debt off an some. An there still tryin to get XXXX $ On XXXX $ loan that was paid for months but is now XXXX $ I have not received a email with the info I requested to see if they can legally collect this debt. They never contacted me again after the supposed lawyer called me they sent it to collections which they never contacted me until I disputed it an they got my address. If I would have known for that year these loans are illegal in my state I wouldnt have done it. I been dealing with them for years now of calling an sending letters. I got it removed from one credit bureau but others will not an just send them my address so they start mailing letters. The letter attached is the last letter that the collections sent its roughly 8 pages. But havent send me what I asked for showing my payments made on the account even XXXX XXXX XXXX didnt they shut it down so I cant login. I have emailed them since asking for everything got no response to the email thats on the letter attached
Consumer complaint received 2024-09-18
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. (TX)

On XX/XX/year>, I reviewed my credit report and identified inaccuracies with several accounts : XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX ). I disputed these accounts, but despite updates and verification, the information remains inaccurate. I requested detailed documentation of how these accounts were verified, but did not receive sufficient evidence. These inaccuracies have resulted in a lowered credit score and have negatively impacted my ability to secure credit. Under 15 U.S.C. 1681e ( b ), they are required to ensure maximum possible accuracy, which has not been met.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX XX/XX/2022. I contacted XXXX  XXXX they have no written ink authorization from me giving permission to ran my credit and I contacted transunion to dispute unauthorized inquiry. Please remove immediately
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Macy 's enrolled me in a Credit Protection program with a monthly fee of {$99.00} on XXXX XXXX, XXXX, when I applied for the card. This was done without my knowledge or known consent. There was no discussion obvious explanation of this benefit and therefore I could not agree to this additional charge. This charge has been applied to my account since this date. I am a XXXX  and would not agree to an additional XXXX XXXX  monthly charge if Macy 's had been forthcoming with this service and not sneak it in without customer knowledge. I was a regular customer of Macy 's and was aware of their high interest rate, so I did not question the monthly bill and paid the minimum amount. I became aware of this fee after carefully reviewing my statements and canceled this program on XX/XX/XXXX. I filed a complaint with Macy 's and their response is attached below. I did not use this program at all in the 12 years it has been charged to my account because I was not aware of it. So, they did not " protect '' me from anything nor was the service used or provided. Macy 's hides behind the statement that I could have just called and dropped the service withing 90 days- but I never signed up for it to begin with- they signed me up for the service.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
Consumer complaint received 2022-09-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

My Grandparents XXXX and XXXX XXXX died in XXXX and XXXX respectively. Select Portfolio Servicing Inc was the servicer and failed to file a claim in probate for XXXX XXXX. SPS Inc hired XXXX XXXX to collect the Note as it had fallen into default due to XXXX XXXX death. SPS Inc initiated a lawsuit against the heirs of the XXXX in XX/XX/XXXX. 

The lawsuit is currently before the New Mexico Appeals Court # XXXX. 

During the lawsuit it was found that SPS Inc was using manufactured document in order to foreclose of properties. The Case in New Mexico is Carmen Pennington v. OneMain Financial Group. 

The case file has documentation, depositions an evidence which shows SPS Inc committed fraud against the XXXX. 

The XXXX 's filed a racketeering count against sps XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who are all debt collectors for thier actions. This is all pending before the New Mexico Court of Appeals. 

This week, XXXX XXXX XXXX XXXX sent a letter to my deceased Grandfather XXXX XXXX telling him his house was going to be in Auction on XX/XX/XXXX. Select Portfolio Service Inc has continued to charge XXXX XXXX over {$20000.00} in interest after his death. 

XXXX XXXX the daughter of XXXX and XXXX XXXX and heir to the XXXX XXXX XXXX XXXX, died in XXXX XXXX. Select Portfolio Service, XXXX XXXX and XXXX XXXX XXXX XXXX. Filed a summary judgment against a dead person and the court awarded it. You cannt obtain a summary Judgment against a dead person The XXXX loan file number is XXXX Select Portfolio also sends letters to the deceased XXXX telling them they qualify for re finance and or forbearance. The the New Mexico Court wanted a stay due to corona vires XXXX XXXX XXXX XXXX through SPS Inc and XXXX XXXX objected. 

a complaint for Fair Debt Collection Practice act is also before the court of appeals.
Consumer complaint received 2022-08-19
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. (TX)

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

1 ) Collection Account : XXXX XXXX XXXX XXXX Account # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's 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 who he is acquainted or who may have knowledge concerning any such items of information. 

They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Consumer complaint received 2024-09-20
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. (CA)

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 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account MEDICAL DATA SYSTEMS XXXX  Opened XXXX XXXX, XXXX  with a Balance of {$320.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
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: Experian Information Solutions Inc. (AL)

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. 

XXXXXXXX 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 XXXXXXXX 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : 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 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I lost my job in XXXX of XXXX, due to having to care for a sick parent full time. On XX/XX/XXXX, I requested payment assistance/mortgage assistance due to a temporary loss of income. The rep that I spoke with suggested that I apply for mortgage assistance ( call around XX/XX/XXXX ), when I called back a week later to confirm the program another rep advised that I needed to apply for unemployment forbearance. While speaking with the rep I advised of my situation and that I no longer had income. After this conversation I applied for the assistance and sent in all required documentation. Over the course of XXXX I spoke with at least 11 different reps who all advised me of different information regarding the program. I was lied to, misinformed and given false untrue information. After being so frustrated and confused I requested a supervisor on XXXX XXXX, who assured me that my credit would be protected as they were giving me credit suppression due to my situation. ) The supervisor also advised that I did not qualify for the unemployment payment program because I had no income. I feel like I was lied too because the reps knew I didnt have income and still told me to apply ). I called back over the course of the next 3 days XX/XX/XXXX, and XX/XX/XXXX I was given false info. I was advised that the supervisor lied to me!!!! That there was no credit suppression and if did not make a payment my credit would have a negative remark for a late payment! This is ridiculous, the amount of times that I was lied to and was given false info is sickening.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX of XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on my credit report.