davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion and XXXX for their failure to respond to a dispute letter I sent in XXXX, XXXX, regarding inaccuracies on my credit report. Their lack of response and failure to provide notice of investigation or method of verification constitutes clear violations of the Fair Credit Reporting Act ( FCRA ).

1. Violation of FCRA 611 ( a ) ( 6 ) : Under FCRA 611 ( a ) ( 6 ), credit reporting agencies are required to provide the consumer with a notice of investigation and the results, including the method of verification, within 30 days of receiving a dispute. Despite my dispute letter sent in XX/XX/2024, neither TransUnion nor XXXX has provided me with any notification of their investigation, nor have they informed me of the method used to verify the disputed information. 

XXXX. Continued Reporting of Inaccurate Information : Both TransUnion and XXXX  have continued to report inaccurate information on my credit report without providing any justification or validation for doing so. This has resulted in continued damage to my credit score and hindered my ability to obtain credit, which has caused financial and emotional distress.

3. Entitlement to Damages : Under FCRA 616 and 617, I am entitled to seek damages for willful and negligent noncompliance with the FCRA. I am requesting {$1000.00} per violation due to the harm caused by their failure to investigate and correct the disputed information.
Consumer complaint received 2023-06-12
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. (PA)

The family educational rights and privacy act ( FERPA ), a federal law enacted in 1974 that protects me from the privacy of student education records for XXXX Any public or private  elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (TN)

Todays date is XX/XX/. After talking to a person on Comenity Bank The person transferred me to a supervisor. So, I spoke to him, and immediately he called me back on a number that was block on my phone and then he costarted to talk, start to curse and threaten violence. I think I should take this to the authorities. Right after I told the company to stop sending harassing calls.
Consumer complaint received 2023-06-12
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: Mr. Cooper Group Inc. (GA)

Dear Consumer Financial Protection Bureau, I hope you find this letter in good health and good spirits. I am writing to ask for your help in getting a closed account reported to my credit reports. This account has never been negative. However, it has been 30 business days since I paid off my Home Loan and Nationstar/Mr.Cooper has not submitted my updated credit report since XXXX. I know this because I have contacted XXXX and that is the information, they gave me and to call Mr. Cooper, which I did. In addition to Mr. Cooper not updating my credit report since XXXX, the balances have not helped my score increase. I have worked hard to maintain my credit and I do appreciate Mr. Cooper for assisting me in my financial hardships at the beginning of 2022. I have maintained all of my payments with NationStar/Mr.Cooper and paid off the full account balance. I am asking now that my credit be updated immediately so that I may resume improving my credit and continuing my positive creditworthiness. Thank you so much for your attention to this prompt matter.
Consumer complaint received 2023-06-12
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: OPORTUN FINANCIAL CORPORATION (CA)

I am getting multiple HARD INQUIRIES on my XXXX app.

1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX  4 . Oportun/Progreso Financial I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX  b. XXXX XXXX XXXX XXXX I never made these inquiries.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pulled my credit report and noticed a bunch of inquiries that are fraudulent, and a bunch of addresses that are not connected to me, or that have never been associated with me. This information is being reported inaccurately and is causing damages to me. 
According to FCRA. You are not allowed to report inaccurate information, or you could be held civilly liable. This information is damaging to me and interfering with my search for homes. If I end up homeless as a result of your inaccurate reporting I intend to hold you liable for the amount of my actual damages. You must block and remove this inaccurate information from my credit report immediately. 

I have attached a FTC report for these fraudulent inquiries, and a list of these fraudulent addresses.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Declined a XXXX credit card called " XXXX '' ( Credit card percentage too high and credit limit far too low ) and FICO or other reporting bureau ( Transunion, XXXX etc. ) reduced my score by XXXX points when it was I who declined the Credit Card and NOT XXXX who offered it and I declined acceptance. 

My current credit score is XXXX but XXXX points should be restored, which would render my true and correct score to be XXXX. My ultimate goal is to reach a uniform score with Fico and the major three credit reporting agencies of XXXX. 

his is most important to me for professional standing, good character and credit worthiness to me. 

Thank you for any possible expedited assistance. 
Your Bureau serves a most worthy cause complementing Truth in Lending! 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX or message c/o XXXX XXXX XXXX.
Consumer complaint received 2022-03-26
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. (GA)

In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (UT)

About a year ago we financed a computer through synchrony bank for a company called XXXX XXXX. We've financed XXXX other computers through the company over the last 6 years without incident. However, beginning in XXXX of this year we have been getting text messages and emails supposedly from this bank that we had unpaid payments and they notify us of this just a week or so after we made the payment. It's getting beyond the point of annoying because they are contacting us XXXX or XXXX times a week. We've tried to call them, returned their emails, and text messages to no avail. I am starting to think this bank has been spoofed in an attempt to obtain money that we do not owe because the bank is a fraud. I have the information from our messages. " This is a message from Synchrony Bank. Return our call at XXXX or our mailing address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Synchrony Bank XXXX This is a recorded call. '' Please help investigate this company for the harassment they have inflicted on us. 
Sincerely, XXXX XXXX, XXXX XXXX ( XXXX. )
Consumer complaint received 2023-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I was on the forbearance plan until I believe XXXX or XXXX XXXX. I had been checking in every month online. I called for a total owed to know how much I owed in XX/XX/XXXX, I was then informed they were going to foreclose on me from lack of communication? They said they did not want my house if I could start paying again. Then weeks later they served me with papers. They then said they would stop the foreclosure and add My about {$30000.00} to a second mortgage that would not have to be paid back until the first was paid or I sold the house. Now last month XX/XX/XXXX my whole payment went to suspense plus a late charge. I called and they said they were removing the late charge, but my credit shows a 30 day late status and dropped my score XXXX points. This is nuts. When I started repaying my loan my payment was around {$1700.00}, so I payed {$2000.00} or {$2500.00} for a few months to pay down my principal. This was not applied to principal. I just need someone who defends people with fha loans to see what is really going on. It is not what they tell me after hours on the phone. 
thanks XXXX
Consumer complaint received 2023-02-13
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. (MS)

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXT Date Assigned XXXX XXXX, XXXX Original Amount Owed {$49.00} Amount {$110.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$170.00} Amount {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$5400.00} Amount {$5400.00} Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$630.00} Amount {$630.00} I have disputes these items numerous of times due to identity theft with supporting documents of the police report as well as my personal information attached for verifications. These debts keep reappearing through new collections attempts, harassing me through phone and email and I need that to cease and decist immediately. I have been sending the same removal letters and reports for over XXXX years and they continually re-add these items to my XXXX, Equifax and XXXX reports.
Consumer complaint received 2023-06-12
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through zelle and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. XXXX XXXX verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through Zelle. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple Zelle and wire transfers. So i did XXXX dollar through three Zelle transactions to XXXX XXXX ( XXXX ) and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from XXXX XXXX that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with Experian and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with XXXX and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.
Consumer complaint received 2022-03-26
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. (NC)

I have submitted prior disputes regarding XXXX XXXX XXXX Accounts that are on my credit report. Experian is not allowing me to dispute these accounts despite the requirements of Regulation F not being met by XXXXXXXX XXXX, in violation of Federal law. These accounts should have been closed and removed as they have not been validated.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (WA)

This is a telephone bill that during pandemic I lost my XXXX in the year of XXXX and I stated to them that I would pay the phone bill but I did not have the full amount. They refused to take payment shut off my phone then tacked on intrest on the bill when I was not working and it was the only phone I had for emergencies. I left a Voice mail stating that I tried to make payments to keep the phone I lost my XXXX  on XX/XX/XXXX and on this date I recieved a letter with intrest of the amount that is owed.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My Venmo account was frozen out of no where for absolutely no reason. I am not able to manage or retrieve my remaining balance and not able to get answers from anyone from Venmo in regards to the issue. I would like my money.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian 's online credit-freeze site does not work. I don't want the paid plan. I'm trying to freeze my bureau for free. XXXX and XXXX let consumer freeze their bureaus for free. Experian wants you to pay for the service. There is no customer service phone number or email address. Experian is by far the worst bureau for consumers. The only available method I can find is to mail them my personal information. They won't let you freeze your bureau online unless you use a paid service.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glasser and Glasser, PLC (CA)

This company violated the following Try to collect charges in addition to the debt Communicate with you about a debt by postcard This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. 

This company violated the following : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Paxful Holdings, Inc. ()

Dear sir/ma please come to my rescue i am one of the paxful trading platform users with username XXXX. i got a message on my email on the XXXX of XX/XX/2021 that my account on their platform which has XXXX btc inside has been frozen due to term of service violation that i should contact support which i did immediately. 

On the XXXX of XXXX i got another message that my account has been banned because it does not pass compliance review and my funds are available for withdrawal. 

Despite the fact that they said my funds are available for withdrawal they still did not give me option to send my funds out of the platform. All my effort to get in touch with them to release my funds since they already banned my remained unsuccessful. 

It is almost 5months already and still they refused to release my funds. this has infact caused alot of problems for me and my family because am still yet to repay some of my suppliers and even the value of the coin has lost almost 45 % in value. 

My account is fully verified with my voters card. i also used my local bank statement of account to verify my address. This is pure cheating. i don't know how on earth a company will block the account of their user and told him/her to withdraw his/her funds without giving the option to be able to withdraw it.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

This bank doesnt get tired of telling me no each time I apply its not fair I feel discriminated against Im crditworthy and their stupid system never even pulls my credit Im a XXXX XXXX XXXX XXXX and I get discount each time I shop And save with this card but this bank will never consider me or approve me its not fair how am I supposed to qualify when their not even trying to qualify me my credit is not the problem when I call to reconsider they say no
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

In XXXX of ,2022, I filed a dispute with this bureau about the removal of the Outdated addresses of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-26
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. (HI)

I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by Experian or XXXX after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXX 2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.