davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (SC)

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

XXXX5 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX CARD Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to Transunion, XXXX, & Transunion. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had two credit cards with Bank of America. My card was stolen before I received it in the mail and many fraudulent purchases were made with the card. I spoke to representatives over the phone for months. No less than a days worth of hours were spent on the phone. I got a police report and did everything that was asked of me. When I called the last time the supervisor kept hanging up on me. Bank of America closed my account because of " non-payment '' but all of the charges on that card were fraudulent so I did not make a payment. I had another card with Bank of America that never had any problems and they closed that card too! I always made those payments on time because those were my charges. I believe their actions are discriminatory because English is not my first language and they are always hanging up on me. I have been both a business and personal customer of Bank of America since XX/XX/XXXX and have never had a problem until now. All charges were fraud and only some Bank of America reversed. The supervisor that was rude that I last spoke to her name was XXXX XXXX and I spoke with her on XXXX. When I tried to get back to speak with they never connected me back to her and she hung up on me and I was never rude. The first supervisor that I spoke to his name was XXXX but I don't know his last name. He is the one that told me to get a police report which I did.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

I have made several attempts to get a mortgage release on a mortgage that has been paid since XX/XX/2020. The last remark was that I do not have authorization, so I moved the authorization to the top of my attachment to show I do have authorization and a letter from SPS to say they are working on the issue but it has been XXXX  months and still no release.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted XXXX & TransUnion about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. TransUnion stated it will take 30 days its been 30 days & still no update!
Consumer complaint received 2022-06-22
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. (MO)

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX - XXXX Balance {$7300.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$5400.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$2900.00}, XXXX  - XXXX Charge off {$500.00}, XXXX XXXXXXXX XXXX XXXX XXXX Charge Off {$990.00}, XXXX - XXXX Charge Off {$690.00}, XXXX XXXXXXXX - XXXX Past Due {$160.00}, XXXX  - XXXX Charge Off {$350.00}, XXXX - XXXX Paid Charge Off {$8100.00}, XXXX XXXX - XXXX Charge Off {$920.00}, XXXX - XXXX Past Due {$920.00} XXXX XXXX XXXX - XXXX Balance {$160.00}, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (OK)

We sold our business on XX/XX/2020. We waited until XX/XX/2020 to close down our mobile service with XXXX. We called several times to cancel the account and switch services. I went with my existing wifes plan and my parents chose to start their new plan in XX/XX/2020. Now, we are told we owe on monthly services we didnt use due to new accounts and phones XXXX said they didnt receive. {$280.00} for a month unused. The phones were returned and XXXX has the tracking numbers. I called today and they said their mistake, they found 3 of the 5 phones were returned. They still cant track the forth phone. I called the collection agency and they told me I have to call to update their billing. My complaint is with XXXX for sending a bill to a collection agency that they admit was incorrect. My 2nd complaint is with the collection agency that just wants to get paid and ignore that fact that I do NOT owe the amount they are calling and emailing about paying. 
The collection agency is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ext XXXX XXXX acct # XXXX XXXX  XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Login issues continue over a week. Tried to login on XX/XX/XXXX to pay bill due XX/XX/XXXX without success. Tried again on XX/XX/XXXX - payment due date- around XXXX and received errors. Tried again after XXXX on XX/XX/XXXX and was able to access my account however the time was after the due date time so will be accessed a late fee. When attempting to call the service bot hung up twice. After calling back XXXX times was able to get in touch with a human who ultimately assisted me with my issue/concern. On their FAQ page they indicate that customers will receive late fee waivers between XXXX XXXX however I still experienced issues and errors while attempting to access my account on XX/XX/XXXX.
Consumer complaint received 2021-04-12
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)

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Consumer complaint received 2022-06-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fro
m the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (MA)

XXXX ran some report with Checkr in 2018 that shows nothing wrong with my background and is still denying me based on my background. 

I am being discriminated against for some odd reason. 

I work at XXXX XXXX which requires more than an XXXX job
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Received a response from XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a 70 point swing. I submitted the dispute with experian and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to XXXX XXXXXXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX refused to correct the payment history please see attached
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (CA)

Hello, I had a compliance XXXX call my employer and left my employer a voicemail telling them I need to resolve an issue and to call another number immediately. When I called the phone number, ( XXXX ) XXXX, a man named XXXX informed me that he is working for a mediation law firm called XXXX and that I owe an outstanding balance from a previous loan I took out last year and if I fail to resolve it as soon as possible, I will have to pay XXXX times the amount owed and they would be taking me to court. He mentioned the name of the check cashing place I received the loan from and had my personal information like my addresses, email, and employer information. Out of fear, I paid XXXX {$150.00} on XX/XX/2022 at XXXX am and was put on a payment plan and was scheduled to pay that same amount again on XX/XX/2022. I gave XXXX my credit card information thinking I was paying off the loan I took out a year ago. He also mentioned to me that XXXX had sold my information and I have been in collection for awhile now and my information has been passed around to different collection agencies since I failed to pay on the due date. I called XXXX XXXX and they said that they did not receive any payment from me and it was most likely fraud. They also swore to me that they did not sell any of my information but somehow XXXX had all my personal information as well as the date I took out the loan. I am absolutely horrified at the lengths people will go and feel incredibly stupid for even taking out a loan in the first place. Please do not ever take out a loan from XXXX XXXX or California XXXX XXXX XXXX. Your information is NOT private. They will take advantage of people in poor situations. Learn from me. Make sure you are paying the right person. Always pay the actual creditor and ask for a written debt validation.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
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 Balance Owed : {$0.00}
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My credit score had been dropped significantly due to incorrect account information. Im in the process of mortgage loan modification with XXXXXXXX XXXX after XXXX month Covid forbearance. I chose loan modification as my repayment option and resumed monthly mortgage payment ( starting with XXXX month trial payment ) right after XXXX month Covid forbearance and never missed payments since XXXX. however, outsourced XXXX XXXX loss mitigation dept is keep delaying loan modification process and never finalizing nor updating the status of my loan account. Seems like, loss mitigation dept and XXXX XXXX are not communicating each other, As a result, XXXXXXXX XXXX reported my mortgage account as delinquent. How can i revert back my credit score? XXXXXXXX XXXX eliminated their mortgage dept. couple month ago and outsourced mortgage service to other company and outsourced servicing firm is not finalizing my loan modification document. They supposed to finish modification process last XXXX after XXXX month trial payments. Please help me.
Consumer complaint received 2022-09-19
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (VA)

Sent letter to credit bureau requesting them to validate this debt as I have no knowledge of the account or the original creditor and it was sent on XX/XX/27 and still no response. I have reached out as well to the collection company who have not sent validation either. I reached out to the original creditor showing on my credit report on XXXX who stated they had no record of the account have a balance or going to the collection agency and shouldn't be on my credit report. The credit bureau updated and closed the account but still have not been removed and them not deleting this account and not doing a proper investigation is hurting and damaging my credit profile.