davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (PA)

My request for the correction and removal of the inaccurate information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below is the account that still reporting on my account : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-23
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)

Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized.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. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-29
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. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America recieved a legal order to garnish my bank account XX/XX/2022 for the amount of {$2000.00}. The requested return date was 30 days later XX/XX/2022. Bank did not start processing until XX/XX/2022. They were able to capture {$46.00} on/or about XX/XX/2022. After that date, I no longer had access to any funds in my account. All funds were held until I called on XX/XX/2022 to see why the order was still going after the original garnishment amount of {$2000.00} was captured. I was told that a mistake had been made and the funds would be returned to me in 24-48 hours. They also stated that the account hold would be taken off. At that point {$2300.00} had been held. On, XX/XX/2022, Bank of America returned {$820.00} to my account while simultaneously creating a check for the garnishment in the amount of {$1400.00}. This order was not a continuing garnishment and all funds should have been returned to me. They lied and said that the {$1400.00} was in my account. There was never that much in the account in XXXX or XX/XX/2022. I've called Bank of America almost daily since XX/XX/2022. I went into a branch on XX/XX/2022 to be told that I'd need a lawyer to get my funds. 
I have not been able to make a formal complaint, talk to anyone in their legal order dept, or get a resolution to the issue. This now causes me to have to make payments to the creditor to finish out the garnishment.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hi Im trying to contact HAF to asked them why they denied my application for assistance with my mortgage payments I was affected with XXXX last year and I was waiting the help thru XXXX XXXX XXXX I send the bank statements the months Im behind and they denied my application when I found out Icalled to the bank and they said nobody from this program called them to let them Know they just denied my application and thats why I need to talk somebody from this program to ask why what happens I been calling to XXXX XXXX the operator said she can transferred me which that department Theres no phone to talk samebody I was waiting for this program to help me Im not working right now Im really need the help and Im on foreclosure right now please help me to contact with them because the bank wants me to pay the all amount to stay in my house they said if I dont pay them theyre going to send the sheriff to close my house and Im going to loose everything please help me thank you.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My complaint is with the Pay Bill Process at Bank of America Credit Card using online or mobile app. 

My bill was due on XX/XX/2023 and I wanted to schedule the payment and amount using my checking account information. I used the mobile app which steered me to the ebill and payment process. My intension was to enter my bank routing # and acct # along with the amount and date to make payment but it appears as if Bank of America wants to force customers to schedule payment and amount but before they do so their process verifies that you have an account with the bank and that it has sufficient monies in the acct to make payment. So to verify that the account is valid, they will send 2 small deposits to my account then shortly thereafter debit my account to retrieve the monies. I have a problem with this. 

I don't like any company going into my account. If the account balance is not sufficient to cover the payment that is my problem as a customer and I should be charged whatever fees are appropriate for insufficient payment. I do not need to have Bank of America monitor my ability to manage my checking account. I believe the Bank has over stepped boundaries with customer bill paying. 

In addition, my bank account information would be stored on the screen as well as in their databases which I don't like a result of the rise in data breaches being reported. As Bank of America is not my primary bank and is just a temporary creditor, I do not want to store my bank information. 

The one-time payment option which is suppose to exist will not work unless it includes the verified bank information. So each time a one-time payment is made, the verify process will be invoked. Thus, can't make one-time payment on line or through the mobile app, because they both use the IVR process XXXX 

The one-time payment can only be made using the phone. This is not very convenient and does not work like other banks bill pay process.
Consumer complaint received 2022-03-29
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 *XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Consumer complaint received 2022-03-24
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Debit card was stolen earlier this year and theif apparently knew my PIN number ; Schools First Credit Union honored the claim and refunded my money. I notified the bank of my missing walled within 8 hours. 

I lost my new debit card ( new PIN ) and thief, somehow, used my PIN ( according to the bank ) and the bank will not honor my claim. There were 30+ transactions in the single day compared to my maximum activity of, maybe 5 transactions a month. Someone should have flagged all that activity. I notified the bank of my missing card within 24 hours. 

Please tell me how to enforce the bank to return my stolen {$9000.00}.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX- Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I applied for an American Express card on XX/XX/2022. Moments later I received a denial email letting me know that i've been denied. I then called the reconsideration line after receiving that email for further clarification and they told me that I was denied based off of my age of credit. I spoke to management and let them know that based off of that reasoning that is a violation of my federally protected rights as a consumer pursuant to 15 USC 1602 ( p ) under Truth In Lending. The statute states that if the consumer receives no benefit from a consumer credit transaction then that is " unauthorized use '' of a credit card. Management then proceeded to tell me that they had authorized use to pull my credit based off of " terms and agreements ''. I then told them that denying me the right to exercise my right to extend credit is classified as discrimination under the Equal Credit Opportunity Act ( 15 USC 1691 ( 3 ) to which they denied as well. Pursuant to 15 USC 1681k under " adverse action '' no where in the statute does it state that a denial to extend credit will be based off of a consumers age of accounts.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

I am XXXX  and the person who hired me used Venmo to send me payment for {$250.00}. The payment was flagged for review and the company said it would take 48 hours for review before the funds would be made available. Based on that, the funds should have been available on XX/XX/2022. The funds were still not available. I contacted Venmo ( request # XXXX ) and they said they would escalate by the end of the day on XX/XX/2022, and they would contact me. I also asked XXXX with Venmo if the payer could cancel the payment to send it using a different method and they said no as it is in review. I still do not have my payment/funds, and I have not been contacted. It has now been 6 days/144 hours, and I do not have access to my funds.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (GA)

XX/XX/22 I received an alert from XXXX  XXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding, LLC is listed on my credit reports. I initially sent a letter requesting debt verification from LVNV Funding, LLC, but instead received a response from Resurgent Capital Services, which claims to represent LVNV. I found this response invalid. I then sent a second letter to both LVNV Funding, LLC and Resurgent Capital Services, reiterating my request for validation of the debt. Subsequently, I received a third letter from XXXX XXXX XXXX, stating they also represent LVNV Funding, LLC.

In my fifth request, I reached out to all three parties again, asking for contractual agreements. However, Resurgent Capital Services simply repeated their earlier response, insisting that I should only address them, despite the collections being attributed to LVNV Funding. 

To date, neither LVNV Funding LLC, Resurgent Capital Services LLC, nor XXXX XXXX XXXX has provided any contractual agreements between us. I have repeatedly contacted XXXX and XXXX about this issue and have disputed the listings multiple times, yet LVNV Funding LLC remains on my credit reports. XXXX, however, has since removed it.
Consumer complaint received 2022-03-07
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. (NV)

Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers
Consumer complaint received 2022-03-07
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: Lending Club Corp (GA)

Dear CFPB I am contacting you with regards to Lending Club that is reporting on my credit reports that I have no known knowledge of and was included in my fraud case back in 2019. I have contacted them on several occasions and I keep being told the same thing that they " DO NOT '' have any information and the account is gone or they can't find anything. Well the issue that I am having is that on my credit reports it is being reported by the company Lending Club and noone else. XXXX each and every time seems to be able to contact them and say it is valid. 

I would like to know how is the account valid when they tell me they have no information and it's reflecting on my report by them. I have been going back and forth with XXXX and Lending Club the furnisher about this and it's time they fix it. The business practice between the tow is unethical and unfair and as a consumer who has been trying to fix this proving FTC Affidavit and XXXX Police reports need this to be handled once and for all. 

What Lending Club continues to ignore is the fact that it's their company that is reflecting on my report and they are the ones who must take if off. It states transferred, well to who doesn't matter who has this erroneous account Lending Club is showing to be the one reporting. How is XXXX validating this erroneous information leaves me confused. Per 623 of the FCRA the furnisher states that a furnisher must not report inaccurate consumer information Also per 623 ( a ) ( 2 ) when any furnisher has been notified that a consumer is a victim of identity theft, the furnisher may not sell, transfer or trade for collection of the debt.
Consumer complaint received 2022-06-28
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX, XXXX. ( {$400.00} ) XXXX XXXX, XXXX. ( {$380.00} ) XXXX XXXX, XXXX. ( {$400.00} ) XXXX XXXX, XXXX. ( {$380.00} ) XXXX XXXX, XXXX. ( {$380.00} ) Original creditor : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions