davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (SC)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CO)

I have an old credit card that has been closed but i notice that they have a late pay on my report. I have asked them for the information to show me when i was late ( 1 late pay on one account and 2 on the other accounts ). I have not received the information i requested and i was on auto pay at the time so i'm wondering how i could be late. the accounts are since closed but i have always had good experiences with the company other then these lates. I would appreciate it if you could help me to get these removed, Thanks.
Consumer complaint received 2023-11-13
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. (FL)

In accordance with the Fair Credit Reporting Act. XXXX XXXX TransUnion have violated my rights under 15 USC 1681 Section 602 states I have to right to privacy ( 15 USC 1681 ( Section 604 A Section ( It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-05
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. (SC)

XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX XXXX XXXX  was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this account.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Consumer complaint received 2023-07-05
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Also, 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. XXXX XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2023-07-05
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate this account. Account name : XXXX XXXX, XX/XX/2023, 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 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 2023-07-05
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. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-07-05
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. (CA)

I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.
Consumer complaint received 2020-04-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This collection appeared on my credit report a couple months ago and then it was removed, now it is back again on my report from another collection company, THIS DEBT IS NOT MINE I have no knowledge of this debt/collection and it must be a case of identity fraud. Please remove the collection from my report as it is the only derogatory mark on my credit and it is hurting my score severely which I need to buy a house for my family
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX based on the Citi Bank new checking online promotion for a future bonus payment of {$1000.00}, I followed the application and promotion instructions as required by Citi Bank. I proceeded the application process with several phone calls to Citi Banks Customer Service group to verify the promotional offer and requirements. Upon completing the application, I received an approval with no mention of the promotional bonus offer. When I called to inquire about the missing offer confirmation, I was told that the account would not include the promotion bonus. This " bait and switch '' tactic to attract new deposits by Citi Bank is deceptive, unacceptable and unethical!
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (PA)

On XX/XX/year>, I engaged with Specialized Loan Services to prevent foreclosure on my home. Despite clearly outlining my need for specific documentation to access my XXXX for payment, the company failed to provide the correct documentation in a timely manner, leading to unnecessary delays. 

Upon finally receiving the correct document on XX/XX/year>, I promptly arranged for payment, only to have Specialized Loan Services refuse it on XX/XX/year>, claiming additional funds were required and it could take a minimum 5 days max 10 days due to it being a new month. This refusal, coupled with their inability to provide written justification, significantly hindered my ability to prevent foreclosure. 

Potential Violations : Real Estate Settlement Procedures Act ( RESPA ) Section 6 mandates timely communication regarding mortgage servicing and error resolution processes, which may have been violated given the failure to provide accurate documentation and clear communication. 

Truth in Lending Act ( TILA ) This involves disclosures about loan terms and conditions. The refusal to accept payment without clear, written explanation could impinge upon the acts requirements for transparent communication of changes to loan terms. 

Fair Debt Collection Practices Act ( FDCPA ) While primarily concerning third-party debt collectors, any misleading or deceptive practices by the mortgage servicer might be relevant, especially in communication regarding debt resolution.

Requested Resolution I request the CFPB to ensure Specialized Loan Services acknowledges its oversight, accepts the payment to bring my mortgage current, and provides a comprehensive written explanation for their previous refusal. Additionally, I seek assurance of adherence to established consumer protection laws to prevent future occurrences.
Consumer complaint received 2023-07-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (CO)

Central Portfolio Services.. I called to ask for proof of the debt, and to give them a statement on what exactly happened with the Landlord. The first representative I spoke to at CPC began screaming at me on the phone, saying you owe this .. you owe this. He refused to connect me to another representative. I called back and spoke to someone else, who was obviously sitting next to the gentleman I spoke to the first time. He stated I was trying to intimidate him .. and that it sounds like this is a very expensive mistake you made. Sounds like a life lesson for you. So your 1. ) going to judge my life decisions and refuse to help or take a statement on how the debt is not owed. And 2. ) treat me less than human and yell at me as Im trying to explain my situation to you? 


The information on the debt isnt even the company that owns the apartment complex I was in. I signed a lease with XXXX XXXX, and XXXX XXXX purchased the complex during my stay there ( and you would assume that they would have also purchased the leasing agreements and any outstanding debt ). The second gentleman stated I dont see how it matters that the company name is different.
Consumer complaint received 2023-07-05
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. (OK)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XX/XX/XXXX XXXX XXXX  I applied for a mortgage with XXXX federal savings bank and was denied for a mortgage. they stated no reason only because of a credit score. there is nothing that supports denial of a consumer in a consumer credit transaction. I am fit to enter into a contract.
Consumer complaint received 2023-07-05
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. (CA)

In accordance with the Fair Credit Reporting act. The item below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2024-11-06
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. (GA)

After reviewing my consumer report, I discovered some instances or late payments on an account which I have always maintained on time payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX account number XXXX. 

I request a thorough investigation into these discrepancies and urge to such proof. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

My account appeared to be frozen on or around XX/XX/XXXX which I notieced when trying to pay for a purchase with XXXX. XXXX said the payment was denied. I then noticed in my email that the payment went through although the account was still listed as frozen. I called Venmo on the XXXX to ask why. They said they sent me an email notification but I have searched my mail and could not locate such a notification. I submitted a request/complaint in writing on the XXXX and called customer service. They said their account review specialist would respond to the concern within XXXX  days. That seems unreasonably long to tie up someone's money. I then called and submitted another request/complaint in writing on XXXX and upleveled the concern to a customer service supv who said again the review specialist would respond within XXXX  days - only this time, he tells me that it was NOT submitted for review until XX/XX/XXXX when I called- not when they froze the account. Something is not right here.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (CA)

VOLVO XXXX I was never late. Payments were set up on XX/XX/23 from XXXX  checking ( ending in XXXX ). Confirmation # - XXXX. Please review and correct my payment history right away!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to XXXX for a credit card application that I knew nothing about and had NOT requested. 

When I contacted XXXX about this unauthorized credit report inquiry I was informed that JPMorgan Chase had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but XXXX assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from JPMorgan Chase requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. JPMorgan Chase wanted the following XXXX ( XXXX ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( XXXX ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from JPMorgan Chase Fraud Dept. within fourteen ( 14 ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (FL)

I took out a vacation loan with Uplift for a few trips home and what not. I ALWAYS PAID ON TIME DESPITE BEING UNEMPLOYED, EVICTED AND WITHOUT A VEHICLE!!! I HAVE BEEN LIVING ON THE STREETS FOR ALMOST TWO YEARS SOMETIMES MOTELS WITH VOUCHERS, VACANT PROPERTIES, SHELTERS OR IN PUBLIC PLACES. I HAVE NOT BEEN ABLE TO GET HOUSING, A JOB WITH A DECENT SALARY NOR A CAR BECAUSE THIS, EVERYTHING IS WAITLISTED IN TERMS OF PUBLIC ASSISTANCE, ETC. I WAS TOLD THAT I NEEDED MORE HELP THAN ANY ASSISTANCE PROGRAM IS QUALIFIED FOR DUE TO SEVERE NATURE OF MY SITUATION!!!! I AM ASKING KINDLY FOR YOU ALL TO REMOVE ALL NEGATIVE INFORMATION OFF MY CREDIT REPORT AND/OR PAY {$100000.00} IMMEDIATELY!!!! IF YOU ALL DO NOT YOU ALL WILL AN ADDITIONAL {$100000.00} IN LEGAL FEES IMMEDIATELY!!!!