davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greystone Alliance LLC (LA)

I have a collection company XXXX XXXX XXXX XXXX XXXX that is harassing me and my family. I had XXXX XXXX Credit Card that I paid off years ago 2012. They are threatening me when trying to get information they scream at me and hang up on me. I look up on their website nothing about this company. They refuse to send me information and threatening if I don't pay. I have reached out to bank nothing on my credit report regarding this.
Consumer complaint received 2019-07-18
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. (CA)

I recently reviewed my credit report and found unauthorized inquiries.Sent Transunion a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX received by TransUnion on XX/XX/2019 at XXXX XXXX. I included 10 Unauthorized Inquiries, I contacted the 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 TransUnion DELETE these Unauthorized 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 re investigation 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!. TransUnion gave NO EVIDENCE of any authorization, nor any permissible purpose given by me .Strangely enough Experian removed ALL Unauthorized inquiries! they are both governed by the Fair Credit Reporting Act!
Consumer complaint received 2019-07-18
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. (PA)

I have several addresses on my credit report that I have never lived at I was a victim of fraud and I need to make sure no one is apply for loans in my name at some strange unknown addresses. Please remove the following addresses : XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-07-18
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. (CA)

On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX to XXXX   XXXX XXXX ( XXXX ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because XXXX was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information XXXX is reporting is completely false. When I contacted XXXX via telephone, they told me that they are reporting it correctly and will not change it. 

When I reported it to Experian, Experian stated that XXXX said they are reporting correctly and Experian will not change it. 

I did not obtain a NEW loan from XXXX nor did I MODIFY my loan with XXXX. I was forced to have XXXX service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from XXXX to the credit bureaus is completely false and against the law. 

My credit score is being detrimentally impacted since XXXX is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. 

The credit reporting agencies refuse to assist me since XXXX is reporting to them that their information is correct. 

HELP!
Consumer complaint received 2023-01-14
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. (GA)

I asked XXXX XXXX and Equifax to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. 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 an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The following complaint was filed and an unacceptable response was received. 
RE : CFPB Complaint # : XXXX Reference # : XXXX Account # : XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The response provided addresses the Homeowners Protection Act indicating that this investment property does not fall under the act and as such PMI is for the lifetime of the loan. The Act specifies that the lender is to provide the PMI disclosure at time of loan consummation indicating the requirements for the removal of PMI. I have contacted Shellpoint to obtain a copy of the disclosure with no success.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (TX)

BBT Bank representative failure to investigate the XXXX card charges {$33.00} and they also charge over draft for {$35.00} then another transaction fee {$35.00} rack up fee 's. They didn't fully investigate at all just offered a temporary 10 day credit. I had already pay the {$33.00} fee about 1week prior they reject the claim. Then overdraft fee was supposely to be turned off the feature. However the {$160.00} was force onto my debt card neither 1 on of these fees were swipe at all then I was giving the run around about the fee. Now my account is over drawn {$520.00} and BBT fraud department refuse to investigate the case for the {$160.00} simple rejected.
Consumer complaint received 2019-07-18
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: Creditors Bureau Associates (GA)

I filed a dispute with XXXX for a collection item that is reporting on my credit report that is not mine. I provided an ID theft affidavit and proof of my identity. The item is still reporting on my credit report despite several efforts to remove it. After calling the Credit Bureau on the phone they stated that the reason is the Identification I sent was not legible, even though the copies I have are clear. I have attached the proof of identity information that I sent to XXXX. I hope that you can help me resolve this matter.
Consumer complaint received 2019-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL (VA)

I have a Synchrony Bank XXXX that matures today, XX/XX/2019, and I notified Synchrony Bank by email on XX/XX/2019 that I wished to transfer {$5000.00} to my external account XXXX XXXX XXXX and the remaining balance to my Synchrony Bank XXXX XXXX XXXX account. I requested an acknowledgement to my email. The acknowledgement I received was not what I requested so I called, XX/XX/2019, and spoke with a banker ( female - did not get her name ) who assured me that the matter would be corrected and apologized for the thoughtless response. Today I checked my on-line account and the XXXX account had been renewed for another year. No transfers. I called Synchrony Bank renewal department, XXXX, and spoke with XXXX who apologized for the error and that it would be corrected with 3 to 5 days. I advised him that was unacceptable and I wanted it corrected within XXXX hours ; also, that I would be filing a complaint with the Consumer Financial Protection Bureau. This is not the first time that Synchrony Bank has tried to renew a XXXX for another year and disregard the customer 's written and verbal instructions as to how the account is to be closed.
Consumer complaint received 2019-07-18
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. (OH)

Reviewed my credit report seen where there was a collection account from " XXXX XXXX XXXX '' for an account with XXXX  or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
Consumer complaint received 2024-10-23
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. (FL)

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 2023-01-14
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. (NY)

I AM A VICTIM OF IDENTITY THEFT!!! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I bought a Netspend Pre-Paid VISA card purchase price for the card was XXXX + Tax I put the amount of money on the card. There was no choice at this time that there were different plans to choose from that gave them the ability to take fees out of the money put on the card. The card they give you is temporary and for ten to fourteen days you have no idea that they can charge fees and what those fees are for. I bought my card thinking that the amount I paid to put the money on the card was the only fee that I would be charged so like an XXXX I never bothered to check but after the third purchase I made with the card I was wondering if something was wrong and I find out Im being charged XXXX for a monthly fee that I was never made aware of and it is do to the way Netspend does business. They purposely use a temporary card and give no information about how the card can take your money and by the time you receive your permanent card you have already started using it and a person tends not to have these questions at that time because when they used the card they had already committed to whatever the rules of the card was only to find out later that they have been hit with fees they never got the chance to deny it they felt they were unacceptable. By then the Netspend Company already got your money when you times this by thousands and tens of thousands Netspend making Great Amount of Money by ripping their customers off. So this is my complaint I dont think Netspend VISA should be aloud to continue ripping people off and I was wondering if you could stop them for us. Thank You.
Consumer complaint received 2023-01-14
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. (AR)

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The Bank of America bank has reported to the credit companies that I have a debt or late payment or delinquency on one of my credit cards. On XX/XX/XXXX, my score dropped XXXX points and the bank 's comments are : " The following comment was removed from this account : The account information questioned by the consumer meets the requirements of the FCRA. 

The comments are intended to make your report clearer. If you are not sure why this comment was removed from your report or where it came from, you can contact your creditor or the credit office for more information. '' I have already contacted the bank issuing my credit card and what they inform me is that that credit card has been inactive since XXXX and they have not reported anything negative to the Credit Companies. Thank you for helping me with the correction of this error that is damaging my record report. Thank you very much in advance.
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Municipal Collections Services, Inc. (IL)

Municipal Collection Services Inc. is trying to collect for a debt that is paid. They claim i owe for these 2 tickets for XXXX each which total XXXX dollars. 25 percent of my salary was garnished for 3 pay period that paid the debt. I sent these people proof and they still are trying to illegal collect this debt. 
this is down right fraud
Consumer complaint received 2023-01-14
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. (AR)

This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report as soon as possible : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (FL)

Suntrust blocked my card from any type of transaction, locked me out of the app and then closed my account. The account was in good stands, no overdraft. They simply pursue this method because I didnt go to the bank with my id to state my employment situation, of which I told them on the phone that currently I was a stay at home mom. I have this same account for over a decade. I called them today and nobody cant tell me where my money is, I will have to call Monday. It is a disgrace that a bank can wreck my finances like this, I am lucky that I have credit card otherwise I wouldnt have access to any cash until I get, if I get, the cash I had in my account
Consumer complaint received 2023-01-14
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. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.