davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting 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)

This is a request regarding Title 15 USC 1681i : Request for Description of Procedures used to Determine Accuracy and Completeness of Information verified/updated that I submitted via CFPB # XXXX. I submitted to Consumer Financial Protection Bureau on XX/XX/2023 and received a reply via CFPB XXXX XX/XX/2023 stating the accounts below were verified/ updated : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide evidence of your reasonable procedures that you used to come to such conclusion to verify/ update this information Who did you talk to?

When did you talk to them?

Please give me the names of the individuals you spoke with.

Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i, Description of Reinvestigation Procedure ( 6 ) ( B ) ( iii ) .I disputed regarding the fact that I did not receive any NOTICE that I have a right to OUT or OPT IN to Credit reporting before any of my NON PUBLIC PERSONAL INFORMATION is reported. In accordance with 15 US Code 6802 The Granm Leach Billey Act states I must receive NOTICE of my right to opt in or opt out of credit reporting and that I must give PERMISSION before my information is disseminated to non affiliated third parties. 
Additionally, just to be clear I received NO NOTICE and gave no one at any time permission to report my NON PUBLIC personal information in accord with LAW. 
Please provide your procedures and the information I have requested under Title 15 USC ( 6 ) ( B ) ( iii ).

These companies are financial institutions under Section 1843 ( k ) of Title 12.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
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. (LA)

I filed CFPB complaint XXXX XXXX against Equifax concerning unauthorized Hard Inquiries listed on my Equifax consumer report. 

Equifax is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaint. Equifax also violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Equifax was also required by the FCRA to conduct its own independent investigation. 

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. The use of only an ACDV form is not sufficient as per the above sited laws. On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that CRAs can not only use ACDV forms to verify consumer disputes. The Court stated that ACDV forms are not deemed as a reasonable investigation as a matter of law. 

In Equifaxs response to my CFPB Portal Complaint Equifax plainly states that they merely send consumer disputes to data furnishers for investigation ( ACDV FORM ). Equifax then engages in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation. 

These violations are undeniable proof that XXXX is engaging in fraudulent, deceptive, and unfair business practices by violating the FCRA, FACTA, and The Comprehensive Consumer Credit Reporting Reform Act of XXXX. 


Please DELETE these unauthorized Hard Inquiries due to FCRA violations.
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

My name is XXXX XXXX. My wife 's name is XXXX XXXX. For the last 3 months, I have sent multiple letters to Tower Loan letting them know that I do not have the ability to call during my work time. I have also advised that my wife be the point of contact for any information as she is much easier to reach than I am. 

I do not get a " scheduled '' lunch break as I am on the road or in the office doing my job and working with clients. I don't have time to be on the phone. My wife has been disrespected, yelled at, and transferred without consent and even after she told XXXX that she didn't want to speak with XXXX due to previous experiences with XXXX XXXX XXXX transferred XXXX to XXXX anyway. The result of this was XXXX telling XXXX that she didn't want nor ask to be transferred and XXXX yelled at her stating, " I don't care what you want ''. XXXX has yelled at my wife, disrespected our family and our jobs, attempted to gaslight and manipulate my wife after disrespecting her, she hung up on my wife, and belittled us. This is not appropriate nor professional. I have TRIED to respond to the phone calls with letters but even with my own signature on a letter - my wife was told it wasn't me. Tower Loan has contacted people that were not references nor listed on the application, yet told them they were - so there's another sign of unprofessionalism, it was a lie. 

I have informed Tower Loan that we are experiencing financial hardship. We are trying really hard to get their payments to them, so the harassment does NOT help at all. Being harassed after we have already attempted contact and have tried working with this branch with all the resistance. My wife is the point of contact, plain and simple. 

My wife and I have decided that going to the XXXX XXXX XXXX to report the harassment and negligence is the best option. We were directed to the CFPB. 

This has been a massive waste of the time that I should have been spent working. We are working on getting payments to them. Like I have mentioned, we are experiencing extreme financial hardship at the moment and we are in fact working on it. We haven't been ignoring them. They've been ignoring us. 

If needed contact my wife at XXXX or XXXX. The issues listed above need to be addressed as it's happened too many times.
Consumer complaint received 2023-02-07
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to repair the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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. (PA)

I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on XXXX they have my birthday set as XXXX witch I was born in XXXX
Consumer complaint received 2023-02-09
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. (FL)

XXXX XXXX HAS REPORTED PAST DUE PAYMENTS. PRIOR COMPLAINT HAS FAILED TO CORRECT SAME. 
AS A RESULT I AM ATTACHING PROOF OF ALL MY PAYMENTS SINCE REISTATEMENT.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file this complaint against Equifax credit reporting agency for fail to protect my my personnel credit information couple of month 's ago after i added Fraud alert and freeze to my credit file later there are tons of inquiries has been place to my credit file Equifax is liable for these inquiries and refused to 2 fraudulents accts from my credit report XXXX XXXX XXXX  acct and XXXX  XXXX  acct both of these accts doesn't belong to me and these inquiries also fraud alert and freeze were place to my credit file for 12 month 's Equifax refused to give me an explanation how all of these fraudulent hit my credit file even Equifax sent me a post-card about to let me there was fraud alert and freeze has been place to my credit file but XXXX is negligent so i need XXXX to remove every single fraudulent activities from my credit file as soon as possible without prejudice as soon as possible because i have a prove my credit Identity was freeze and fraud alert were place for protection of my credit file Equifax is a joke there is nothing about consumer credit protection i want to see CFPB take a big action against Equifax credit reporting agency for failing to protect consumers credit file some of these inquiries i received them on the mail it's a lot of them Equifax doing unfair credit report.

The fair credit reporting Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies but Equifax doesn't do what they supposed to do just been unfair to people of XXXX and Prejudice.when i sent a police report Equifax ignore the police report about my identity Theft.
Consumer complaint received 2023-02-01
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-09
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)

m 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 acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-03
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. (NY)

I just received my reinvestigation back from Equifax They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ).

I attached a consumer report as evidence.
Consumer complaint received 2023-02-01
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. (SC)

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXXXXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

accordance with the fair credit reporting act XXXX  account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK (WY)

I went to apply for XXXX home equity loan on XX/XX/XXXX. I got full pre-approval under the terms of 30 year loan interest of 9.99 %. I accepted this. They then requested lots of different information that I submitted. Every file said accepted. On XX/XX/XXXX I called them up because there was a small problem with the mortage statement I submitted. At this time I was told I was no longer approved because of debt to income ratio. The thing being I already had pre-approval and even the proof of income was already accepted. This loan would have been XXXX of my current debt payments without the loan.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (AR)

Good morning CFPB, My name is XXXX XXXX! I'm here to report BAM TRADING known as Binance.US, I have previously file a complaint about them and they responded by telling CFPB one of there representatives are going to talk to me to have my wiring information to send my money to me, we'll long story short, someone get a hold of me, His name is XXXX from Binance.US, He have me signed a Docusign form and fill my bank information with it and after all of this they said they're going to send my money to me, since after that no funds have been sent to me. 

This is 2nd week ending and no one will tell me what's going on, I feelt like Binance.US deliberately don't want to refund my money! Holding it hostage for no valid reason 's, XXXX Binance.US representatives keep telling me it's waiting approval, XXXX? Over 2 weeks approval to wire my funds, I don't seems to understand this anymore, Please help '' This is shameful for a company of that reputation to be frustrating t and trying to stole from there customer 's!

I need my money to pay off my mortgage, I'm behind and Binance.US are not ready to sent my money even after have done all they wanted from me... Agencies need to look into that company because they're doing this to a lots of people out there and this is wrong.. I'm just pleading with them to please send my money to me, I'm tired and frustrated right now. Thank you so much CFPB.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (LA)

We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (NJ)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. Experian has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.