davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX, a military housing community in XXXX, FL, was my place of residence from XXXX to XXXX. In the beginning, I had only agreed to a 7 month short-term lease, with plans to move into a house I was under contract to buy. 

Things went well while I occupied the unit I lived in. However, I had been warned by colleagues about illicit & poorly explained business practices that I would fall victim to unless I took great care of the move-out process. I took great care of the property, making sure to clean thoroughly at the end of my time living in the community. By the time I finished cleaning prior to the move out inspection, the house was cleaner than it was before I moved in. 

XXXX XXXX XXXX, in their move out inspection process, charged me their standard {$300.00} cleaning fee, and then was unclear/unwilling to explain what the cleaning fee was for, aside from vague emails intended to corner me into paying the fee. I took this complaint before the XXXX XXXX XXXX XXXX XXXX, where they calmly agreed with me that the fee was clearly excessive and unfair. 

XXXX XXXX XXXX never responded to the letter sent by XXXX XXXX requesting their dismissal of the fee, and instead sent the {$300.00} cleaning fee to a debt collector.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


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 2023-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (CA)

In XX/XX/2015 I went to the Emergency services at XXXX County Hospital to have an examantion of my hip after falling. I had xrays and consulation fromthe attending personal. I never saw a XXXX XXXX who put his name on my record. I had my XXXX card presented and a little later I got a notice that my Hospital had been paid by XXXX. Now just recently I had my credit report done and found a negative issue about an outstanding medical bill that was in collections. I went to the Hospital to investigate and found that my bills had been paid in full by XXXX. But there was one bill that was separate from their billing and it was from a XXXX XXXX. I found out that XXXX XXXX tired to bill my XXXX, but had waited to long in his request and XXXX refused to pay. Then he tried billing me at an incorrect address for the charges. As a results I never received any billing, because he was sending it to an address that I didn't live at. After never getting a repsonse from me her turned it over to a collection agency in turn reported it to my credit report as none payment. ( Paramount Recovery Systems out of Texas ) I reported my dispute with 2 Credit Reporting Agency ( XXXX  and XXXX ) and had the negative issue delete from my credit Report. 
I am waited for a response from XXXX  on my dispute. I would like this collection agency to stop reporting a negative issue on my credit. I feel it was not my problem that the Dr. failed to get his money, I sure XXXX would of paid his bill. In closing to the best of my knowlege I do not remember seeing this XXXX XXXX, and believe he tired to tack on his charges to my injury.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed. 
The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA. 
TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards. 
Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified. 
Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-16
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: EQUIFAX, INC. (IN)

I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with Equifax for a XXXX XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

XXXX  on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Michael J. Scott, PC (VA)

Scotts & Associates, PC is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

US Bank contacted me, unsolicited, in XX/XX/XXXX offering a forebearance. I lived in XXXX XXXX XXXX  and the XXXX had just hit the area. I initially declined the offer, saying it wouldnt make sense to accept If I needed to just repay the entire amount at the end of the forebearance. They offered and confirmed multiple times any deferred payments would simply be put on the back end of the loan. I accepted this and we agreed on terms, and the forebearance began. A year later, they refused to honor our contract and demanded full payment of the deferred payments. 
Since XXXX of XXXX and their breach of our forebearance agreement, they have sent letters stating I need to apply for mortgages assistance. I stated I didnt need mortgage assistance, I wanted them to honor our orginal agreement. Theyve said while I didnt actually qualify with what they offered, they asked me to submit a request for assistance. Ive done this multiple times, with no answers or response as to why they breached our orginal contract. During this process, a rep named XXXX from US Bank contacted me and and offered that if I make two payments, they can then just add payments to back end of the loan. In an effort to resolve this, I accepted this and XXXX said would finalize the offer and call me back for payment which never happened. A rep named XXXX also called at a different time saying I just needed to send a letter stating I was affected by the XXXX natural disaster, XXXX XXXX XXXX XXXX, along with some loan information, and he would put all of the payments that were deferred onto the back end of the loan. I submitted this information as requested and again, US Bank still refused to honor their commitment or the follow up agreement to move the payments to the back end up alone. They now are attempting to foreclose on the home and refuse to communicate. All numbers they provide to reach the agents assigned to resolve this go to automated systems saying the agent I need to speak with is unavailable. 
Theyve locked the account for approximately 18 months preventing me from making a payment, while also demanding payment. 
I am filing a complaint that US Bank used false and deceptive offers to enter into an agreement they had no intention to honor and have refused to do so.
Consumer complaint received 2023-01-10
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: BARCLAYS BANK DELAWARE (VA)

Starting in XXXX of 2021, somebody started stealing my rewards points on my Barclays - XXXX Card. XXXX Card reinstated some of the stolen points but then stopped without explanation. The fraud continued over several months and Luxury Card made little to no effort to combat the fraud. They told me several times they would reinstate all stolen rewards points " within 30 days ''. My points are still not reinstated after months of phone calls. I have done all that is requested of XXXX Card, including changing my card number, user name, passcode and verbal passcode but are still getting the run around. I am asking for CFPB assistance in getting my XXXX stolen reward points reinstated immediately.
Consumer complaint received 2023-01-09
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I opened a complaint with CFPB about XXXX reporting fraudulent accounts and fraudulent charges on my credit report and XXXX responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by XXXX by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXX XXXX  but did not remove J.P. Morgan Chase and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these 2 accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They claim that the J.P. Morgan Chase and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by XXXX and both accounts are still being reported as of XX/XX/XXXX per my XXXX  credit report account.
Consumer complaint received 2023-01-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter asking XXXX, XXXX and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX and Equifax have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :
Consumer complaint received 2023-01-08
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. (GA)

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 15 U.S.C 1692C 26 U.S. Code 7529 I received a copy of my credit report with the intention of trying to mprove my credit and take care of my responsiBilities and noticed accounts that are suspicious and inaccurate. I havent received an update or response. I have an identity theft report that includes cyber attacks and attacks on my bank accounts as well as my credit card, loan attempts and attempts to apply for additional credit cards. 

XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual XXXX XXXX  Location XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX ^ Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type Individual Requested On XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX Inquiry Type Request XX/XX/XXXX Individual ^ XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Permissible Purpose XXXX XXXX Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Inquiry Type Individual ^ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/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  Phone ( 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
Consumer complaint received 2023-01-08
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. (IL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right 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 , has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I previously disputed an inaccurate debt on my credit report with XXXX, Transunion, XXXX. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of The XXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.
Consumer complaint received 2023-01-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I see a few inquires on my account that I did not consent to. Bank Of America XXXX. 
XXXX XXXX. XXXX XXXX. XXXX XXXX. I called to try to get these items removed and after staying on hold for more than XXXX minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Consumer complaint received 2023-01-08
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: BARCLAYS BANK DELAWARE ()

Dear sir or madam, please forward my request to : Barclays Online Banking : to complete my XXXX XXXX payment as submitted on XXXX for two tranches of {$45000.00} on XXXX XXXX XXXX and {$36000.00} on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX as I submitted them on : XXXX : and on Student Finance XXXX through the facility of my username XXXX and another sum of : {$990.00} : again on XXXX on : XXXX XXXX : for my XXXX, XXXX XXXX, XXXX for my XXXX exam and as such my Barclays Online Banking application # XXXX through the facility of my name XXXX XXXX XXXX should be credited also with the payment of {$990.00} as I requested as well as the payment of a total sum of {$90000.00} for my XXXX XXXX in 2023 and as such my payments would be deducted from my {$100000.00} on application XXXX on Barclays Online Banking and my other sum of {$300000.00} could thus be transferred to my : Barclays Online Banking : account XXXX : through the facility of my name XXXX XXXX XXXX XXXX that the {$300000.00} would reflect on my Online CDs relative to my accoount XXXX on my name XXXX XXXX XXXX and on my next statement on XXXX XXXX Banking account XXXX through the facility of my name XXXX XXXX XXXX XXXX SSN # XXXX and on my statements on XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (TX)

Hi last time im called XXXX  and made freez for my credit cuz some one use my information but still im got hard inqure from barclays bank delaware