davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (FL)

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.

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 2024-10-15
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: EQUIFAX, INC. (MO)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found INQIURY on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

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 2024-08-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

XXXX XXXX, I contacted XXXX to start a new homeowners policy with the company. We had to go through the process 3 times before the quote had generated properly ( The first generated a policy with an old rental address -- XXXX XXXX ). I was assured the XXXX incorrect policies were canceled/closed. I completed the signing on the correct policy ONLY. 

Early this month, I contacted my insurance agent with concern as my XXXX dashboard listed the closed XXXX as " paid in full. '' He reported to me that XXXX with incorrect details ( but for my address ) was still open and he closed it ; he assured me the other was closed as well ( XXXX XXXX ). 

On XXXX  XX/XX/XXXX, I received my monthly mortgage bill which reflected XXXX outgoing XXXX  insurance payments. XXXX on XX/XX/XXXX for an address ( XXXX XXXX ) I do not own/did not sign paperwork on/and is in NO way connected to my mortgage. The other payment was made XXXX for my actual property. 

I then called XXXX ( XXXX in XXXX ) who reported they caught the problem and cut a refund check and sent it to XXXX Rainsong -- I DO NOT OWN that property and have no idea who does. The agent reported he would cancel the check ; another would be issued in XXXX hours and sent to my home within XXXX days. 

I called my XXXX agent to confirm what the other man said. My agent was unable to see any of the above details ( check sent to XXXX ; cancelled ; reissued ), and asked me to call again in the morning. 

I also called Carrington Mortgage to inquire why they would take money out of an escrow account for this/my property to pay a bill for an unrelated property. I was told it was an error on their part that should not have happened. 

To summarize : XXXX sent an unauthorized/unsigned request for payment to Carrington after multiple associates assured me it was cancelled/closed ; Carrington processed a XXXX  insurance payment request for an property unassociated with the escrow account ; XXXX caught their mistake but issued the refund to an unrelated address though my car and home insurance show that is not where I live ; No party, at any time, made me aware of the situation on any level. 

I have spent several hours at this point to straighten out a matter that was not my doing but was carried out by parties who were negligent in their actions.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Our firm XXXX XXXX XXXX, XXXX has no less than ( XXXX ) files open here with the CFPB on Bank of America and XXXX. 

Now Bank of America has decided to close our account and believe this is nothing more than XXXX for us filing these claims with the CFPB. 

They are using a lame excuses of XXXX XXXX XXXX XXXX. There decision was based on false information providing by these XXXX companies who have violated my consumer rights ( 5 USC 552A ), 15 U.S. Code 1681c2, 15 USC 6802, The violations of these laws come with a penalty of no less than up to {$1000.00} each.

Our holding company. have been with BOA for over two decades in some form or fashion. And for them to treat us in this matter is down right ridiculous. 

They also closed our claims with XXXX without giving us a chance to response. 

As we told them BOA on NUMEROUS occasions ( XXXX ) our dispute is NOT weather the charges are valid, our dispute is WE DID NOT RECEIVE THE PRODUCT OR SERVICES we paid for! 

We have attached XXXX response. Now since XXXX is an XXXX company we can not file claim against them here in the XXXX. 

We followed their policy to the letter. They decided not to respond to ANY of our emails. Since they would not give us any resolution, we came to what we thought was our banking partner. 

But they decide to retaliate against us while there are XXXX open claims here.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (WI)

In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (WI)

My student loans ( XXXX XXXX XXXX XXXX ) from XXXX and XXXX XXXX were serviced by XXXX. For years I had issues being able to get into a payment plan that worked with my situation. I was always told to enter forbarence FOR YEARS. This occurred for years before the pandemic and my loans were eventually moved to aidevantage. My loans, due to XXXX  telling me to enter forbarence, have now accrued so much interest and now trying to pay back my loans is impossible and my payments for an IDR plan are ridiculous. I need to be in an IDR plan to qualify for my PSLF. So because of XXXX  my loans have accrued so much interest, its delayed my PSLF ( which XXXX knew I qualified for ), and now my IDR payments are not affordable due to the balance of the loan. This has caused financial turmoil for my family, affected our debt to income ratio, gave us trouble years ago buying our first home, and leaving me and my family struggling.if XXXX  would have offered me a IDR plan ( then never offers it ) my loans would have already been forgiven.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my written permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I did initiate business with your company for an extension of credit. Whilst I am thankful for our business relationship, I did not give CAPITAL ONE BANK CARD  written authorization to list the inquiry on my credit report. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE BANK CARD for collection as the account current and the credit is being used responsibly. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. 
AND To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : CAPITAL ONE BANK CARD Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX  ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (GA)

Vystar credit union in XXXXXXXX XXXX at the XXXX XXXX XXXX tricked me into signing for an LOc on my former husband account They helped my husband steal money from both me and my children by allowing him to put for deposit only on checks and cash them including government checks. 

We were legally separated for the first time in the late 1980s. We had 2 more legal separations and finally a divorce.

Tge paperwork for thus account was signed in 198i8. They were told over and over again through the years I was not responsible for this debt. They refused to work with me or freeze the account they allowed him yo continue yo max it out every month. 
I thought they had closed the account but it showed on my credit report about 8 years ago because he always kept it at 99 percent. I fought them and it was removed from my credit report.

He died in XXXX it took several months to find me but they demanded a payment for the loan. When I refused a few days ago they charged it off and put it on my credit report.

My name was removed from thus account that the Loc was attached to many many years ago. I had zero access to the account however, they kept on the LOC without my consent. What I signed was an LoC yo a checking account that had my name onniy because they told I needed to. I was never informed that I would hadve zero control over it and that they were doing this so they could later XXXX me. This needs to come off my credit report immediately. 
This man was a dead beat dad, eho was a narcassistic mental abuser who screwed around on me the entire time we were married and ended up eventually marrying his beat friends wife and longterm affair in XXXX. I have put it with enough abuse from him. I do nor need these evil people who helped him steal at least {$20000.00} from XXXX continue this abuse. Like I said I finally took my daughter after I retired from the military and got away from this abuser at a very expensive cost. I refuse to pay anymore of this evil man 's devyts. I believe he is finally I'm hrll where he belongs. 
Vystar credit union was always his alley and helped him in ever way yo XXXX me. Please make them remove this charge off off my credit report.
Consumer complaint received 2024-08-09
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. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NC)

XXXX XXXX acct XXXX stating I owe {$2200.00} on my credit report now has a company XXXX solutions contacting me via email. Under Law USC 1692c ( c ) without consent of consumer given directly to debt collector or express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in collection with any debt! Now has also given my information to another debt collector! Im needing this removed from my credit immediately.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (FL)

A fraudulent charge was made on the credit card in the amount of {$3.00} This credit card has had a XXXX balance and perfect pay history for 48 months consecutively. Due to the fraudulent/unauthorized charge that was made there was a missed payment, which resulted in closing the account. This has also led to cause a dramatic decline in credit score dropping from nearly XXXX score to XXXX score. 
There has been incredible hard work, effort, and accounting that has been integrated into life to make sure no payments go late or missed. This unfortunate attempt to make fraudulent and unauthorized charges has resulted in absolute problems and negative reporting to all major credit bureaus.

Ina addition, the credit card company had advised me to make the {$18.00} payment to clear the account, which was done. However the issues must be resolved to stop and clear potential future threats.