davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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. (LA)

Please make appropriate corrections reported as late payments on XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an 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 XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

I got an email from XXXX  that COMENITYBANK/WAYFAIRCARD did a hard inquiry. I called the bank immediately and found out a card had been opened in my name without my authorization. I immediately asked them to close the account and delete the inquiry. A few days later I get a notification from XXXX  that a new card was opened in my name from them and also closed the same day. I have called Comenity/Wayfair to attempt to rectify the situation and remove all inquiries from all 3 bureaus and remove the account that was opened and closed on the same day from my credit report. This now is temporarily affecting the length of my credit age.
Consumer complaint received 2022-08-21
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 2020-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

" Fidelity Capital Holdings , Inc '' acquired consumer credit card debt ( revolving account ) from XXXX XXXX XXXX XXXX. I have not used the account in 5 year 's. The account was originally a charge off account for three years, but Fidelity purchased the debt last year. I was notified they would sue me and our court date would be XX/XX/2020, however they filed a default judgement against me in XX/XX/2020 and levied all of my assets in my checking and Savings account yesterday XX/XX/2020 leaving me with " XXXX '' dollars in my checking and Savings account having taken more than {$1000.00} from me. I am a single mom. Now I don't have more money to pay my mortgage, pay my non mortgage expenses, utilitiesx HOA, Gas and food. I am ineligible for public assistance as a middle wage earner. And I am afraid due to the size of the Levy {$8000.00}, when I have my next direct deposit, they will seize that money too. This is unamerican, egregiously wrong and I think they are predatory having purchased consumer debt. I called them several times before the levy and they would NOT negotiate a payment plan with me. What I am supposed to do? Please extend a retroactive moratorium on non federal consumer debt collections, levies and garnishments. So egregious and Un-American, these predatory companys. 

respectfully submitted, XXXX XXXX
Consumer complaint received 2022-12-29
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. (CA)

I am so confuse about this situation. TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections XXXX & XXXX for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts BLOCKED or REMOVED ASAP!!! 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of scam bank of america has recieved all of the needed documents and proof also on calls that was made from me on XXXX to the bank the bank associate then ask for my account info over the phone as a result to next days calls to bank several calls within that week I was informed by other associates that the bank associate was never supposed to ask me for my account information as one associate provides me what was supposed to be XXXX correct number end up being the same number I had already dialed so it looks like all of this they were working together all the had to do was listen to the calls between me and bank associates the proof is right there but they write me telling me the are not refunding or credit my account apparently they did not do full investigation as they Said they were!
Consumer complaint received 2021-07-15
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. (FL)

I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX ( XXXX XXXX ) 2 accounts
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:04/09/2021 RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is refusing and has been refusing to post correct information or refusing to delete incorrect information. My name is XXXX XXXX XXXX XXXX My birthday is XXXX at some point last year Transunion changed my birthday to XXXX. They made this change without verifying the information or contacting me to warn me of possible identity theft. By the time I was told what was being reported it was too late. Damage had been done. i have been denied housing, jobs and funds. I have been denied help and been denied the chance to speak my truth. Transunion has taken away my chance of living a typical American life. Instead, i am now homeless, eating out of trash cans and begging for pocket change. I have disputed faulty accounts repeatedly. Transunion will take the accounts down only to repost to the next buyer of the debt that wasn't mine to begin with. How are they allowed to hold a person 's future in the posted information that they are obviously paid to add to a credit report without any investigation. I thought that the big XXXX agencies were here to protect the consumer. The only thing being protected now is the bottom line. the bottom line that is made up of the very consumers private information that is sold by the very company that is sworn to protect. when will this company be held accountable? I want my life back. I want my chance to live the American dream without being terrorized by Transunion. only dream I'm a part of is a nightmare. How much is my life worth??? I guess I'll find out with the answer to this complaint. 

XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-21
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)

I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. XXXX and XXXX have removed XXXX XXXX from my credit report but Trans Union is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Due to covid, my spouse and I suffered reduced hours and also job loss, so the mortgage company allowed us to go into forbearance XX/XX/XXXX, with an end date of XX/XX/XXXX. We then contacted them to get the additional 3 months forbearance that the Cares Act provided, since this would help us tremendously. The only option they gave us was doubling up our current mortgage amounts to {$3400.00} monthly beginning XX/XX/XXXX, and lasting for 12 months to bring the mortgage current. We contacted them to say, doubling the payment that we already had difficulty paying would lead us down the path to foreclosure. They also said they can not offer a remodification, and this is all they can do to help us. While in discussion with their representative, she told us to consider liquidating our home, after we told her we are raising our XXXX children here and we do not want to lose our home. We advised that we have many other bills and responsibilities that we have to keep up with, along with the mortgage but they are just not willing to offer any other resolution. Please assist us in resolving this matter.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit score has been lowered by XXXX  and TransUnion approximately XXXX pts on each in the last month. I have payed everything on time, have not opened/closed accounts, used less than 10 % of my limit and have not had inquires. I called both companies and payed for their reports. Everything looks correct on them, yet they do not tell me why my credit score has been lowered.
Consumer complaint received 2022-07-29
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. (VA)

This uncertain account listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

By law, I should be allowed to get a free credit report from each of the three major credit bureaus from the XXXX site. 

I was able to get a report from XXXX  and XXXX  XXXX I note this to demonstrate I was properly logged into the site ). When I attempted to get one from Experian, I received a message that I could not do this online, I had to send a letter to their office requesting my credit report. 

Some time back after a major breach, I had placed a freeze on my credit on all three credit reporting companies. While I see that Experian had removed the freeze without my knowledge, they did allow me to turn on the freeze again. Since Experian won't give me a credit report without my requesting it by mail, I attempted to at least turn on a freeze to make sure it was still in place with them. I received a notice that I can't turn on a freeze online, I need to send them a letter along with copies of utility statements and such. 

Although I will proceed to send them certified requests to obtain a copy of my credit report they should be forced to provide this through the annualcreditreport website like the other credit reporting companies do. I assume they think that requiring people to submit paper request via postal mail will make people give up.
Consumer complaint received 2022-08-21
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: General Motors Financial Company, Inc. (LA)

Please make appropriate corrections reported as late payments on listed GM account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.