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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change. 

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.
Consumer complaint received 2023-07-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account 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 an account without my written instructions, has violated my rights.

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

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. 
Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2021-03-09
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: CORELOGIC INC (NY)

CREDCO Inquired on XX/XX/XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-03
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Consumer complaint received 2023-07-03
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. (AL)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is using my name to report information to XXXX, XXXX, and XXXX and they do not have my permission to do so. 

I have a XXXX XXXX, financing statement, and XXXX XXXX filed against my commercial property that Capital One is violating. It is also on public record since XX/XX/2006 that I own all rights to my commercial property not limited to name but also social security numbers, birth certificates, and any state licenses I may hold.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (SC)

On XX/XX/XXXX, PHH mortgage debited my escrow account for {$2800.00} for county taxes. My tax bill was for only {$910.00}. I have verified with the county that the county was only paid the proper amount of {$910.00}. PHH has refused to tell me where the missing {$1900.00} is. Instead, they have raised my escrow payment to what will total over {$6000.00} over 5 years. They will not answer the question of where the missing {$1900.00} is. 

I called the company in the first and second week of XXXX and was assured the problem would be addressed. PHH told me the County was overpaid and would need to refund me the {$1900.00}. I spoke to the county and they made it clear that they were only paid the proper amount ( XXXX ) by the 3rd party payment company that PHH employs ( see uploaded document ). Roughly on XX/XX/XXXX and then again on XX/XX/XXXX, I submitted an online complaint with PHH to locate the {$1900.00} they took out of my escrow account and was never paid. They have not responded and refuse to return the money they took out that was not paid out ( XXXX ). Where is this missing money? Instead, they sent notification that they will increase my payment to what will amount to over {$6000.00} over the next XXXX payments. 

I have uploaded XXXX items : XXXX ) The escrow record that shows the XX/XX/XXXX overdraft from my escrow acct 2 ) The tax bill from the county that shows the actual tax bill being {$910.00} 3 ) The email I received from the county verifying that they were only paid XXXX Please help
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-07-03
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)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-11-30
Product: Credit 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: CITIBANK, N.A. (AZ)

On XX/XX/year> I paid XXXX XXXX for services of repairing my vehicle and replacing tires. Upon pickup of the vehicle most of the repairs were completed that were paid for by my insurance however the items i paid for out of pocket with my card were not provided. XXXX XXXX did not provide me with the tire replaced I was charged for and did not repair the middle console that was damaged.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

My XXXX  received a settlement check from XXXX XXXX XXXX XXXX XXXX in the amount of {$14000.00}. The check was mailed to my house. The check arrived on XX/XX/XXXX. It was supposed to be cashed by XXXX, because that's who the check was endorsed by. Me and my XXXX  went to a XXXX branch in XXXX XXXX. We were told that we couldn't cash the check at XXXX ( too many people were receiving the same checks and they couldn't cash it ). My XXXX  doesn't have a bank account because he was released from XXXX XXXX on XX/XX/XXXX, and didn't have his much needed documentation to open up a bank account. We were then told to go to Chase Bank, and double endorse it ( my signature and his ). I had an account with Chase Bank during that time. We go to Chase Bank, and we both sign the check. It goes in my account. A few days later, XX/XX/XXXX, I return to the same location, to an employee named XXXX XXXX. I bring the stub that came with the check. My Chase checking account was closed a few days later. I contacted OCC on XX/XX/XXXX, and they opened a case. An executive by the name of XXXX contacted me on XX/XX/XXXX, and asked me to submit a Power of Attorney form to him. We obtained the documents ( POA ) on XX/XX/XXXX. I emailed them to my case manager from Chase. I tried getting in contact with XXXX, and I was told on XX/XX/XXXX, that there would be a new executive in charge of my case. Her name is XXXX. She contacted me a few days before the XXXX XXXX, and explained to me that the POA wasn't enough, and that they needed to verify my XXXX  over the phone. On XX/XX/XXXX, he called the Chase fraud telephone number and said that he is in fact the third party. He gave me his copy of the POA, and I took it to the bank on XX/XX/XXXX. I came back to the same XXXX XXXX location, on XX/XX/XXXX, and was told that the POA was valid. They told me that a cashier 's check would be mailed to my house in XXXX to XXXX business days. No check at all. I called Chase Bank on XX/XX/XXXX, and they told me that I have to return to a physical location and bring in the POA. This feels like it's never ending. My XXXX  is in a XXXX XXXX, and me and him would like for this to be resolved.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-03
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. (MT)

Dear CFPB, I just received my investigation results from Transunion. I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Transunion has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Registered Mail XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (WA)

Dear Discover Bank, I am writing to request a debt verification letter for the debt that you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt before I make any payment or take any other action. 

Please provide me with a written and electronic statement that verifies the following information : - The amount of the debt - The name and address of the original creditor - A statement that you are authorized to collect the debt - A statement that you will provide me with documentation upon request I kindly ask that you provide me with the verification letter within 30 days of receiving this request. Please note that until I receive this letter, I will not make any payment or take any other action. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have care credit card through syncrony bank.This card is used for pet needs medical needs only. 

When I use the card and the purchase is over {$200.00} you are offered XXXX interest in 6 months or 12 months depending on where you use the card. 

I have had this card for years. I faithfully make payment. And maybe I am just noticing now but the payment allocation does not seem right and seems like shady practice. 

I had scheuled payments to pay off a balance on a promotion that was ending XX/XX/2024. 

I was looking at my account and the balance left on the promotion didn't seem right. I chatted with synchrony and they advised my {$100.00} payment- the minumum due was applied to XXXX promo and the remaining portion of my payment was applied to a promotion due XX/XX/XXXX. 

All of the balance on my card have promtional due dates with XXXX interest. I do not use this card for normal purcheses. 

When questioning again asking for documentaion regarding payment allocation the person advised that the minimim balance is applied to the promotion that is due and the remainder is applied to regular purhcases. I don't have regular purchases ; only promotion, but they still applied it to a promotion that was not due for months later. 

I was told to call or chat after every payment is made so they can reallocate my payments the way I want them. 

This is so much extra work on the customer. if the customer does not call it will take longer and more payments to pay off the promotion that is due XXXX. And if a customer doesnt notice they are putting the customer at risk for being slapped with back interest on promotions not paid on time. 

One person told me it takes 2-3 months for the payment to be allocated correctly, where aother person tells me its 48-72 hrs. 

I am not even sure what information is correct at this point, but I was not provided any documentation or shown where I could find it on the site
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 — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

Id been with this phone company for months & after about the 3rd month I realized that I had not been receiving the perks I was told Id receive if I switch to their company, Instead each month my bill was increased more and more because they had been switching my phone plan to the highest plan they had without my knowledge or consent. I contacted the phone asking about them switching my phone plan because I couldnt afford it, So they told me theyd have it fixed, they fixed it and gave me a promo on my next bill. Another 2 months come and the same thing happens again with them switching my phone plan, So at that point I was fed up, I had lost my job, got kicked out of where k was staying, and had to use the last money I had left to get a flight back to my hometown where my family was and helped me. I contacted the phone company and let them know that I wanted to get the phone service turned off and return the phones because I could no longer afford what they were doing to me, they tried to get me to stay if they bribed me with promo again, but this time that wasnt going to work for me so I said no, So they when ahead and approved my request, but told me that I might as well keep the phones because theyre going to make me pay for them still, and I responded ; even if I return them as they were when I bought them, and they told me yes, So I asked how much that would be and I was told that it would only be the installment plan I had on the phone which was roughly around {$25.00} a month, but instead they had continued to bill me as if I were still connected service wise with their phone company, Meaning I was receiving hundreds and later on thousands of dollars worth of bills from them.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I sent written statements to company that Im not responsible for debt.. Im made complaints XXXX still have debt owned on my credit report thats not mine.. Its from portfolio recovery.. I made complains to cfpb but XXXX did not remove any debt