davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is fraud never had a apartment in my name, remove this account immediately. this address XXXX XXXX  XXXX XXXX XXXX  CA, XXXX Does not belong to me I never live there at all!!!!! Please remove from my credit file immediately
Consumer complaint received 2023-08-10
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Jcpenney credit card initially gave me a limit of {$300.00}. I would spend {$100.00} and immediately pay right after. I would never hold a balance on the card it was always paid. Around XX/XX/XXXX time I had noticed they bumped my limit to {$700.00} I had went to the store purchased some makeup for {$100.00} the next week I got letters in the mail stating my limit was decreased to {$100.00} thus making me overdrawn on the card. I called them and they could not explain why they did that. And if I didnt pay the XXXX because of the overage fees that occurred I would have my account closed. In XXXX they told me my balance was XXXX now they are stating its XXXX.
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (NJ)

I was expecting to be able to pay this off In full of the {$800.00} I took out, and now am being told they charge {$10.00} a day on top of the interest so the total is XXXX. I was not expecting such ridiculous interest rate or fees. In addition when I called to try to negotiate I was told they couldn't help me. A 400 % interest rate is a little ridiculous to begin with, but the added fees on top of it are a lot to handle.
Consumer complaint received 2024-09-05
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. (VA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX year old made an unauthorized purchase in XXXX store for {$100.00} on XX/XX/XXXX for coins. I contacted XXXX and they refused to refund stating not enough information ... .as I recall. I then contacted Bank of America and filed a claim. In the mean time I found another way to communicate with XXXX through chatting. They told me they couldn't refund me while I had a claim open w Bank of America, so I canceled the claim with the bank. I went back to XXXX and said I did what you asked and provided proof that my claim was canceled with the bank. They said its not canceled on our end with the bank so we won't be able to give you a refund. So, I went back to the bank again and reopened my claim. Now, yesterday the bank says the time has expired, they only have so many days from the day of purchase to complete the claim ... so they closed it, doing nothing for me. I contacted XXXX XXXX more time today and they say only the bank can give a refund. The bank never mentioned any time frames to complete the claim or expiration of the claim. Here I am with the bank and XXXX both telling me they can't do anything.
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (MO)

ACCOUNT RESOLUTION CORP XXXX XXXX  XXXX XXXX MO XXXX Acct # XXXX Amount : {$280.00} Dear ACCOUNT RESOLUTION CORP, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability & Accountability Act  ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent via CFPB, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.
Consumer complaint received 2023-07-17
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: LEXISNEXIS (PA)

My Lexis Nexis report indicates that XXXX XXXX XXXX ran four inquiries on my report. Two on XX/XX/2023 and two on XX/XX/2023 At this time, my Lexis Nexis file was frozen. 


XXXX XXXX XXXX  didn't have my permission
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I have been with XXXX, XXXX, XXXX XXXX etc. for over 30 years. i have had numerous problems with the billing from XXXX. i cancelled service in XXXX and changed to XXXX XXXX XXXX in XX/XX/2018. 
1 ) found out that DATA overage was the issue, changed to UNLIMITED data.

2 ) charges for overage on DATA continued.

3 ) after cancelled service, charges continued along side charges with XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to Nationstar Mortgage XXXX d/b/a Mr. Cooper in the middle of XX/XX/2021. I received a notification latter about this dated XX/XX/2021. The sale happened when I was selling the house, and the house was already in escrow. My escrow agent and myself had submitted multiple requests to Nationstar Mortgage XXXX d/b/a Mr. Cooper to provide the payoff statement and routing information to close the sale, but still did not receive the requested info. The requests had been submitted in XXXX and in XXXX. Despite all the efforts and an obligation to provide the payoff statement within 7 days from the request, Nationstar Mortgage XXXX d/b/a Mr. Cooper continues to claim that information is not available. It is obvious that the actions of Nationstar Mortgage XXXX d/b/a Mr. Cooper can be qualified as a refusal to accept payment. As a result of this delay, I am loosing money paying for the house for which the buyer already deposited money in escrow.
Consumer complaint received 2019-06-20
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: Experian Information Solutions Inc. (IL)

I have disputed a XXXX XXXX account that's on my credit report for a Year now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I want it Removed!!!
Consumer complaint received 2023-07-17
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: Westlake Services, LLC (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-09-27
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. (OR)

Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.
Equifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.
I suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.
We, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.
Eqiufax needs to pay the other 2 credit reporting agencies to also protect our identit
y and credit For Life.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (GA)

I am writing to formally request assistance in the arbitration process concerning my credit report. 

Credit Card Issuer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Furthermore, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that all three credit bureaus engage in an arbitration process with XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Consumer complaint received 2023-07-17
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. (NY)

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit XXXX XXXX XXXXXXXX to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6700.00} XXXX XXXX XXXX MO XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2024-10-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX sabotage due to Bank of America lies/fraudulence. XXXX yrs of admitted technical issues/ glitches admitted to me but their IT technicians, representatives, and supervisors of representatives that in the end has resulted in them lying and retracting their admitted guilt which significantly affected my XXXX XXXX dropping it by XXXX points, and being denied in endpoint attempts of justifiably disputing these illegal rejections of my disputes. Even with recorded conversations of Bank of America 's representatives and upper management claiming complete and total fault ... Now they sent their fault in this dispute and previous recognition of thus. Resulting in XXXX and the other XXXX credit bureaus refusing to reinstate the incredible amount of points that were reduced upon my XXXX XXXX that I've worked diligently and exhaustively to achieve over the last XXXX yrs ( my XXXX XXXX was XXXX before BOFA XXXX slashed it with their report falsely blaming me and not admitting to their inexplicable website/app/systems failures and glitches that they were incapable of fixing the last XXXX years ), in which I've always paid off and bills on time. I've never missed a payment- on any of my accounts- and therefore never had a late fee charge. I pay all of my bills on time - utilizing correctly working autopay connected to my XXXX bank account. Bank of America has admitted fault several times, but now chooses to lie and claim fraudulently and falsely that this is my fault. They've promised letters to all three credit bureaus to fix my excessive XXXX XXXX drop ... and then claimed the opposite. They record all of there phone calls so I know the representatives that guaranteed me they were recognizing their ( Bank of America 's ) fault has been reported several times. A representative even revealed to me that this is something the company would never - will never - admit, due to repercussions and possible media coverage. They instantly refunded my charges taking responsibility over 9 months ago, and now they're lying and refusing to retract their allegations and restore my XXXX XXXX that lost - insanely - XXXX points due to them reporting fraudulent details to the credit bureaus. They don't want to admit their fault surrounding their IT/technical failures that are excessive beyond belief. XXXX years later they couldn't fix double debiting my bank when I only authorized debiting once. This again is fraudulent and litigable. 

Please help me in holding a billion+ dollar conglomerate responsible for their fallacies, lies, and attempted deflection of their own faults against XXXX of their XXXX year loyal customers. 

Thank you for taking the time to read this.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.