davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (WI)

Unauthorized credit inquiries by all XXXX credit bureaus. XXXX. Equifax. XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

None of my credit reports match. My student loans were paid in full and yet Transunion shows them as being deleted from Their files. XXXX and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to alrj3 months of payments these are the same bil for over XXXX  years
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the 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
Consumer complaint received 2019-08-16
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC. (TX)

XX/XX/XXXX- My number was called more than twice by robodialer. When I answered the call the call was dropped.
XX/XX/XXXX- I returned the call and asked that my number be taken off the auto dialer system. Agent stated she would address it. Agent offered me full repayment option of $XXXX. I stated that I didn't have that amount of money. Agent offered a loan consolidation. I stated that I was uncomfortable engaging in any contracts over the phone.
XX/XX/XXXX- Received a blind carbon copy email at my workplace email address from XXXX XXXX
XX/XX/XXXX- Received phone call at my unlisted workplace phone line from XXXX XXXX. I stated I had not given authorization to be contacted at work and asked not to contacted at work
XX/XX/XXXX Received unsolicited phone call from XXXX a month after my bankruptcy was finalized to rehabilitate my student loan. Despite receiving little information on the status of my loans which were being paid in the bankruptcy or discussion of alternatives, I was pressured into an agreement to pay $XXXX a month.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

RE : CFPB Complaints # XXXX ( XXXX ) XXXX # XXXX ( XXXX ) and # XXXX ( Transunion ). Each of these credit reporting agencies are now in violation of 15 USC 1681c-2 ( Fair Credit Reporting Act 605 ( b ) ). In accordance with this piece of legislation, these items listed in the report should have been removed within 4 days. This has not happened. An FTC Identity Theft report ( # XXXX ) has been filed documenting the Breach of Trust which clouds all of the transactions noted in the FTC report. The consumer is now pursuing actions in equity ( UCC 1:201 ( b ) 1 ) against all agents of all the consumer credit corporations listed in the report for breach of trust ; UCC 2:103 1 ( j ) " Good Faith ''. Not to mention, the original collateral instrument ( s ) in all of these transactions was sufficient to secure the alleged debt ( s ). None of these corporations have been damaged in the consumer credit transactions in question. i, the consumer have however been harmed and continue to sustain harm, damage, loss and hardship due to the fraudulent reporting of these accounts in question. Each and every one of these accounts are evidence of the crimes of unlawful conversion, unjust enrichment, fraud, coercion, lack of disclosure constituting real damages to i, the consumer. Each of these alleged 'contracts ' are herein rescinded due to lack of consideration as i, the consumer no longer view Federal Reserve Notes as consideration. XXXX, the contracts are not legally binding. 

Further, a criminal complaint will be pursued with the Department of Justice against the credit reporting agencies for failure to comply with FCRA 605 ( b ) " blocking '' fraudulent information on the consumer 's FICO credit reports within the 4 days allotted for the removal of said items.
Consumer complaint received 2019-08-08
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

XXXX allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I placed an order for a handful of items for my XXXX dinner online from my home in XXXX IL to the XXXX in XXXX IL to pickup!! Not knowing they use XXXX whom I have never and will never use as they are a bunch of crooks it is all over the internet!! They took the order then at the end after I paid using my debit card I noticed they had the wrong pickup location, it said XXXX IL which is up by XXXX IL about XXXX or XXXX hours north of me!!! I then tried to chat with the picker and gave them all of the information and told them of the error and told them to stop and not pick it or to contact the XXXX IL store to pick it as I am in XXXX and they ignored the chat and completed the order and set up a pickup time! I contacted XXXX corporate and they sent me back to XXXX who I had already contacted where some XXXX girl would not listen or help and refused to cancel and refund my {$19.00} for the groceries I never received which is FRAUD!!! I asked for a manager and she would not let me talk to him then said he would tell me the same! I told her I would call corporate and she said they would tell me the same and that I would just have to cancel and wait XXXX stays for my money but she never cancelled it!! I then filed a dispute with my bank US Bank in XXXX IL and took in all attached documents and complaint form they gave me after they applied the provisional credit and now they are denying me and taking it back claiming I received the products I never received as they were delivered to XXXX IL XXXX hours north of me!!!! I want this complaint sent to the FTC and bank regulators and I am sending a copy to XXXXXXXX XXXX office too!! The FRAUD is going to stop!!! These businesses, third party processors and banks are working in cohoots and committing theft and fraud!! I also want you to send me a list of banks that will accept my XXXX checks that are honest near me so I can leave this crooked bank!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Called creditor in XXXX of 2024 and paid balance in full. Was told that this will be reported as paid to the credit bureau on XX/XX/year>. 
2 disputes filed with Transunion in XX/XX/year>. Results show account verified and accurate. Contacted creditor twice to confirm account is paid in full and this was reported to Transunion. was advised to file another dispute. Called Transunion in XXXX and filed a dispute over the phone. Included copy of paid receipt from creditor. Received notification via mail on XX/XX/year> that account was verified and accurate. Again I called the creditor and confirmed this was paid in full and reported to Transunion on XX/XX/year>. advised to file another dispute.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-25
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. (LA)

On XXXX Equifax sent a copy of my credit report that showed inquiries deleted but it is still showing on my credit report. Prior to XXXX I spoke with a agent on the phone who advised they had all of my required paperwork and these inquries will be deleted with a confirmation number XXXX. The credit report sent to me had the same confirmation number XXXX on the report by Equifax. The credit report says The investigation clearly says Results of our reinvestigation : Results these inquires has been deleted., but is still on my report. The inquiries are listed as XXXX XXXX AND XXXX XXXX XXXX also noticed XXXX other accounts thats not supposed to be on my credit report and I didnt give permission for them to pull my credit to get these inquires. 
XXXX XXXX XXXX, XXXX My consumer rights has been violated under 15 U.S.C. 1681i Paragraph ( 5 ) any info I also attached a copy of the letter I sent to Equifax on XXXX as well. 
I also attached a copy of the credit report showing Equifax results for the investigation of inquires been deleted. 

My current address is shown on my state ID which is attached as well along with my proof of residence. Please update my address to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, LA XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2019-08-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC (FL)

XX/XX/XXXX I received a mailing stating that my father had a reverse mortgage with XXXX XXXX XXXX llc. and they wanted to know what our intention were for the property along with requesting other information concerning my father 's passing. I promptly returned all information requested stating my intentions were to retain the property. While constantly keeping in contact with them approximately every thirty days sending them updates etc.. At no point did they alert me to the that the property was referred for foreclosure in XX/XX/XXXX or that the property was in foreclosure as of XXXX/XXXX/XXXX. It just so happened that I received a letter on XX/XX/XXXX from XXXX the attorneys that were retained by CELINK the servicing agents for XXXX  XXXX XXXX llc. stating that they were retained to collect a debt in the amount of {$200.00}, XXXX. So, I responded with letter requesting validation of debt among other items. Then on or about XX/XX/XXXX I received a phone call from a CELINK agent out of the XXXX, Tx. ( XXXX ) operator ID # XXXX. It was at this time that I learned of the foreclosure status and I mentioned to her that this smells like fraud, fraudulent concealment to be exact ; because no point was I notified of foreclosure proceeding by mail, by phone or in person.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2023-04-25
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. (FL)

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

You are reporting the XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$8500.00} ) account incorrectly. I disagree with the Balance of {$8500.00}, as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied on my accounts, I ask you to mark this account as disputed, so that it would not influence my credit score. 
The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is also inaccurate. I remember that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You report a higher Balance of {$2500.00} than the amount I suppose I owe. As your agency presented this account as closed and charged-off, the Past Due amount is not supposed to be provided for this account. In light of this, I require that your bureau verifies the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ) account, since I am unsure of the accuracy of the Balance reported for this account. Until I clarify this matter with the creditor, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Moreover, I request you verify the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23, I deposited {$9900.00} cash with XXXX of {$50.00} bills at Bank of America at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank teller used a machine counter and it gave me an amount of {$9000.00}. I didn't notice until 3 days later. I came to the bank on XX/XX/23 to report this to the manager. He told me to call consumer service to report it. I called and reported to consumer service by Bank of America. Last week, I received a letter stated that " No adjustment is neccessary. '' I believed the Bank of America Machine counter was made a mistake and miscounted my money. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IN)

I paid my Zales credit card off in full on XXXX. Since paying this off I've called at least 4 times and sent several messages through my account portal trying to get the balance removed from my credit report. They had no problem reporting my balance and payments when I owed them but once its paid I can not get the balance removed. 
I have disputed this with XXXX they also have been waiting on a response since XX/XX/2022. This is effecting my credit score as well as giving the impression I've owed this since XXXX the date of their last update.