davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (HI)

To whom it may concern I am filling a complaint against XXXX XXXX XXXX. Before the harassment began they never read me my mini Miranda right provided by the fair trade act nor told me I could dispute the collection account. After nearly two years of harassing phone calls and mail they finally stopped contacting me but now Im calling them to try to validate and settle and no answer nor contact back. Its almost as if they have disappeared and its still on my credit report.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (TX)

I do not recognize the inquiries listed below on my Equifax Consumer Report. I have tried to properly dispute the inquiries with Equifax over the phone, and by certified mail. I believe these inquiries are due to Identity theft. I have filed a police report with identitytheft.gov, and attached it to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax is in violation of the following : 15 USC 1681b- Permissible Purpose of consumer reports- Equifax did not have permissible purpose from myself the consumer to report the inquiries listed above.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 1 ) ( 2 ) ( 3 ) ( 4 ) requires Consumer Reporting Agencies to practice fair and accurate procedures when assembling a consumers credit report.

Aggravated Identity Theft per 18USC 1028 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (SC)

Equifax has continuously denied me access to my free annual credit report for several years after I submitted my social security number and answered correctly any questions to confirm my identification most recently on XX/XX/2019.
Consumer complaint received 2023-03-16
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. (AL)

I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We purchased our home on XXXX XXXX yet there was nothing in the system of the Veterans Administration until XX/XX/XXXX. Therefore 2 years of payment was never accounted as paid.the last assignment documentation was never recorded in The Superior Court of XXXX County.A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? 
Has my loan ever been through Bifurcation at any time for the life of the loan? 
When the loans are securitized, they are sold on XXXX XXXX, and are bifurcated. The note is destroyed because it can not exist both as a stock and a note, so the mortgage is unsecured. Our house can not be security for an unsecured loan. Unless the bank is holding the mortgage as a portfolio loan, it's been securitized. This is what we have been saying from day 1 in ignorance of this wild scheme of a game. By using MERS they have split the Note and Mortgage= Bifurcate. 
BOFA MERRILL LYNCH ASSET AND HOLDING DECLARED TO BE THE OWNER THEREFORE WHO OWNS THE DEED OR nOTE OF TRUST
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: REGIONS FINANCIAL CORPORATION (IN)

At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access. 
Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information. 
I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this. 
I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.
Consumer complaint received 2022-08-04
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)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX Card/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED OXXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID 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.
Consumer complaint received 2019-02-19
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. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX  XXXX, XXXX/XXXX  XXXX and XXXX  XXXX
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Collectors, Incorporated (WA)

I have never been to this establishment, when I looked them up, XXXX XXXX, I found that under their reviews that they have been doing this to countless people - I do not know them and do not wish to be scammed. If it is somehow my debt to pay I would like to pay it once and for all, other people under the reviews as I read had tried to go through the company to pay and had been scammed into paying twice and still received debt collection papers later as if they had not payed. Please help me to pay it once and for all if it somehow a true debt. I am a young person and know little about credit but I would like to avoid further messing up credit.
Consumer complaint received 2022-08-04
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)

Transunion, Congress has already made it clear that you have assumed this role of reporting this information on my credit. Not only that you have assumed it without my permission. I have been dealing with this inaccurate information on my credit report for a LONG TIME, and you refuse to remove and delete it. This inaccurate information has affected my home buying process in such a negative way that it has ended with me paying an even higher interest rate than I would have if this inaccurate information was not present. 

I would have hoped that both you would respect my privacy especially since I have never instructed you, Transunion, to create this report showing this inaccurate account. It is a clear violation of my rights that this inaccurate information has been obtained and disclosed by your company without permissible purpose. 

You are supposed to protect my nonpublic personal information as you are a financial institution and you should be complying with 15 USC 6801. I want this inaccurate information and any names and addresses that do not match the name and address below to be REMOVED and DELETED from credit report immediately. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA, XXXX Account TO BE REMOVED : HAMILTON LAW
Consumer complaint received 2022-08-02
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. (AL)

In accordance with the Fair Credit Reporting act 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 2023-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from XXXX  XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. XXXX XXXX XXXX had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless XXXX XXXX XXXX due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (MT)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : CB Indigo Bank aka Genesis FS Current owner of Debt : XXXX XXXX XXXX Amount owed as reported : {$300.00} XX/XX/2022 : I received an email from Indigo Credit Card Services informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by Genesis FS. 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, CB Indigo charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact Indigo regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by Indigo strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
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. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.
Consumer complaint received 2022-08-04
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, EXPERIAN has violated my rights. Title 15 U.S.C 1681 section 602 A, states I have the right to privacy. Title 15 U.S.C 1681 section 604 A Section 2 : It also Staes a consumer reporting agency can not furnish an account without my written instructions and/or written consent. 

EXPERIAN is in violation of FCRA Section 611 Part ( A ) ( 1 ). 
on XX/XX/2022, XXXX certified mail envelopes regarding many discrepancies on my consumer report where sent over to EXPERIAN. I have signed green slip receipts showing they accepted my mail. However, my EXPERIAN consumer report never reflected an ongoing investigation. After, 30 days and even an addition XXXX, EXPERIAN, never responded or sent me any correspondence with any of the XXXX matters.
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Uplift, Inc (AK)

On XX/XX/22 I received a phone call from XXXX at XXXXXXXX XXXX, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from Uplift Inc to the tune of {$500.00}. I have not received any communication from Uplift for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially XXXX I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a XXXX party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had XXXX debt companies calling me on the same day for the same amount of money from the same creditor.
Consumer complaint received 2022-08-03
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employers : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX  ) Account number : 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.