davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC. (CO)

BELOW ARE XXXX COMPLAINTS THAT WE HAVE AGAINST NEW AMERICAN FUNDING, WHICH ARE : ( 1 ) XXXX ILLEGALLY HELD REFINANCED FUNDS FOR TEN DAYS, WHILE THEY CHARGED {$80.00} PER DAY FOR THE LOAN PAYMENT ; ( 2 ) TWENTY-NINE DAYS AFTER THE FUNDS WERE DISPERSED FROM OUR REFINANCED LOAN, NFA ( THROUGH XXXX ) CONTACTED OUR CREDITOR AND ILLEGALLY REQUESTED THE REFUND OF {$5700.00} WITHOUT PROVIDING ANY REASON OR WITHOUT CONTACTING OR INFORMING US. 
Here are the details of our complaints : We closed a refinance mortgage with New American Funding ( NAF ) on XXXX, 2017, which included loan consolidation of {$330000.00}. We were told that the funds of {$330000.00} would be wired to our creditors by Friday XXXX, since we did not have a " right to recind '' clause in the contract. Funds were not released, however, until I repeated called and threatened to request a Federal audit of NAF. Then after ten days the checks were reportedly sent and " lost '' and resent by NAF. 
I contacted both XXXX and XXXX ( loan representatives at NAF ) several times, but neither wanted to offer a solution to the problem of the missing funds. We were charged {$80.00} per day for funds that were not released from New American Funding ... this means that NAF charged us approximately {$800.00} before the funds were finally released. ( Note : NAF claims to close over XXXX loans each month. That number multiplied by the XXXX dollars, could constitute quite a scam every month. ) Today, XXXX 2017, I checked the balance of our XXXX, reportedly paid by NAF on XXXX in the amount of {$5700.00}. I was told that XXXX ( contracted by NAF ) requested a refund of the {$5700.00} and the funds were returned without my knowledge!!!!!!! This sounds like a scam to me. 
I am requesting a Federal Investigation of NAF and XXXX for what appears to be illegal practices : ( 1 ) charging for money that has not been released ; ( 2 ) Illegally requesting the return of funds that were paid through the refinance with no notification to us. ( 3 ) I am requesting a refund of {$800.00} for payments on our loan with NAF for funds that were not released ; ( 4 ) This may be a scam directed toward us, seniors ( over 65 years of age ). 

Thank You!!!
Consumer complaint received 2024-08-14
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. (CA)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (NC)

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 2023-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MA)

Penny Credit as agents of XXXX who wouldnt remove the hold from my account stating that I needed to pay it to remove the hold forced me to pay Penn Credit Union because I was at the RMV and wanted to pay my registration renewal. They after being paid for the ticket number XXXX which is reference for invoice number XXXX stated that I only owed {$3.00} and despite any collections should have not had a hold on my account because they had sent to collections improperly or were only owed what they sent and is visible on said ticket & invoice respectively.
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (LA)

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 2024-08-29
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Finance Company, Inc. (TX)

XXXX XXXX XXXX has two said accounts reflecting on my credit report in the amounts of {$570.00} & {$520.00} with the original creditor listed as XXXX XXXX XXXX. The said accounts recently appeared on my credit report as an account that was opened in XXXX of XXXX. I have disputed both accounts twice now requesting all identifying information such as a proof of purchase agreement and all originating documents showing that this is a legitimate account that belongs to me but nothing has been provided. Both disputes have come back verified and accurate yet no information was provided for me to verify/confirm as requested.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (PA)

On XX/XX/15 I opened a checking account with M & T Bank from their public website. 

The terms of the promotion included an opportunity to earn a {$500.00} bonus from M & T Bank if I opened a new account and made {$1000.00} of payroll direct deposits. 

I saved a PDF copy of the website and offer terms to serve as a record of the original terms. 

After I completed the required activities I contacted M & T Bank 's Customer service to have them confirm that I had performed all required activities to avoid any misunderstandings before it was too late. 

At this time I was informed that the I was no longer eligible for the bonus due to not living in a specific geographic area and/or not having a copy of a mailed offer letter to my residence. 

I sent the M & T team copies of terms that I signed up for that did not include the geographic restrictions they claimed nor any indication that the offer was limited only to individuals that had received a mailed offer solicitation. I included ALL of the fine print for them to review yet they refused to acknowledge their error. 

M & T Bank will not honor the original terms I I signed up under to receive the {$500.00} bonus. They added a zip code qualification checker AFTER I opened my account. I can prove this becuase my PDF copy of the website does not include a link to confirm zip code eligibility
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (AR)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (NC)

The Company, Pro Collect inc, proper validation of this debt. I, and the credit agencies need all documents evening the alleged debt, including the original account application, contract, and statements. they need to provide the complete chain of documentation showing all assignments of the alleged debt from the original creditor to the company Pro Collect inc. All documents relating to the purchase of the alleged debt by the company Pro Collect, inc , and any attachments thereto. they also need to provide all documents demonstra

ting ProCollect inc legal standing to bring this action. 15 U.S code 1692c 1692g 1681e ( b )
Consumer complaint received 2024-08-14
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. (TX)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-14
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.

accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1o81. 
Account name : Fair Collections & Outsourcing, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that ; 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 2024-08-14
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. (NV)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$11000.00} I have previously XXXX the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Consumer complaint received 2024-08-14
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. (NV)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$11000.00} I have previously XXXX  the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any XXXX  entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-14
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-14
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)

I sent all three credit bureaus XXXX, XXXX XXXX TransUnion numerous requests to reinvestigate inaccurate information pursuant to FCRA 15 USC 1681 et al. They have yet to provide me with a correct updated credit report. The items in question shows several inaccuracies related to an account by XXXXXXXX XXXX XXXX XXXX account # XXXX. 

The inaccuracies include the following Date of Last Activity is inaccurate XXXX date of last activity is reported as XX/XX/XXXX, XXXX date of last activity is reporting as XXXX { XXXX, and TransUnion is reporting the date of last activity as XXXX. This can be a sign of re-aging the account. 

Next, inaccuracies as it pertains to this account is the following : DATE REPORTED IS INACCURATE XXXX date reported is shown as XXXX, whereas TransUnion date reported is shown as XX/XX/XXXX, and XXXX date reported as shown as XX/XX/XXXX. 

Lastly, the LAST PAYMENT DATE lS INACCURATE, XXXX last payment date is reporting as XX/XX/XXXX, whereas XXXX last payment date is reporting as XXXX { XXXX, and TransUnion is reporting the last payment date as XX/XX/XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Account # : XXXX FCRA Section 611 requires that information be accurate and verifiable. Credit report shows {$0.00} for monthly payment and balance. If the account was active and had payments or balances, reporting {$0.00} might be incorrect. Accurate reporting of balances and payments is essential under the FCRA. Under this FCRA laws I demand this inaccurate account be removed immediately for reporting inaccurate information on my credit report and I demand a written letter once this account is removed.