davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX and Transunion are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; These accounts should not be on my credit report at all. 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 and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per account.
Consumer complaint received 2021-11-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have an open complaint XXXX that I wish to add additional new data to. The Collection Agency PHH has sent me another illegal demand to force place flood insurance on my already maximum insured property. This " second and final notice '' is an illegal collection activity and is in violation of all Federal rules and regulations regarding reverse mortgages and collection agency practices
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have disputed this judgement with Experian for the longest time now, and Experian is doing everything in their power to keep this account on my credit report, experian is no longer supposed to be reporting judgements, tax lien, or public records, and they still are, they are in violation of the fcra 15 U.S. 1692e misrepresenting a judgement that is public records as a collection item to falsely keep it on my credit report, I have the judgement, and they have the judgement in hand, and has not corrected the information and delete the item, they have confirmed over the phone they have the judgement, but are still non Compliant with correcting the information, they can and will be sued just for that, I have also contacted the courts that handled the eviction, and asked them if they are reporting public records to the credit bureaus, they said no, XXXX XXXX XXXX XXXX is the law firm XXXX XXXX hired to represent them int he eviction process, they are not a creditor or collection agency, they are a land XXXX XXXX XXXX XXXX misrepresenting the debt with a fake account number, which is illegal, and Experian is well aware of this, I will not accept an automated response from experian, but a letter stating the judgement has been deleted from my credit file, if not experian will be sued in federal court for fcra violations.
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has been wilfully violating the FCRA code 15 U.S. 1681p statute of limitations, Transunion has the documents with he original date of delinquency, and has been reproting the delinquent account past the 7 year statute, the claim that they are, or have investigated the matter to delete the account from family support services XXXX XXXX, the creditor has not responded to the credit bureau about my disputed, and it has been beyond 30 says, nor has transunion credit bureau deleted the account, Transunion is doing everything in their power to keep this account on my credit past statute of limitations, then the CFPB let 's them close out his complaint with no resolution, my next step is to contact the Federal Trade Commission myself and file a complaint, because nothing is being done to transunion to ensure they follow the FCRA, Transunion is close to being sued in federal court if they do not delete this account and quit displaying willful non compliance, ONCE AGAIN TRANSUNION IS ABOUT TO BE SUED FOR NEGLIGENCE. DELETE THIS CHUKD SUPPORT ACCOUNT, IT IS A YESR PAST STATUTE OF LIMITATIONS AND THEY WILL BE SUEDIF IT ISNT REMOVED FROM MY CREDIT! ITS NOT ON THE CREDITOR ANYMORE, IT IS SOLELY ON TRANSUNION. Transunion needs to stop lying, it is not through a third party.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been displaying an offer to me on their website and mobile app ( once I logged in ) to open a checking account, transfer {$50000.00} into it, and hold it there for ~60 days to receive a bonus of {$750.00}. 

I clicked on the link for the offer to apply while logged into my account with the offer prominently displayed. The account was opened on XX/XX/2020. I then followed up with Bank of America on XX/XX/XXXX to confirm I was on track to meet the promotion requirements. 

I spent 1.5 hours on the phone as they looked into it ( spoke to XXXX XXXX and supervisor XXXX XXXX ), and was told they couldn't see the offer attached to my account, and that the offer would have needed to be e-mailed to me or mailed to me so I could not have possibly gotten the offer in this manner. This was despite me saying I had screenshots from the offer page while being logged into my account ( so they basically just told me I made it up - did I make up the screenshots then? ). They then told me they would put in a " research '' request that would take 30-60 days. So at this point they want to hang on to my {$50000.00} for two months while they decide if they can find in their system that I was targeted. 

False advertising on Bank of America 's part - if they are going to entice me to open an account and ask me to transfer so much money in, they need to follow through on their advertising.
Consumer complaint received 2021-11-08
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: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCHRONY XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my credit report. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither comfirm nor erase theis complaints.
Consumer complaint received 2021-11-08
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: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDENCE RESOURCE MANA XXXX Balance {$960.00}
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3  shows my medical records and personal data. 
XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed.
Consumer complaint received 2021-11-08
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

I spoke directly to an agent when I made my payment for XXXX and XXXX gave he my information for the bank the payment was never presented to my bank for payment which gave me 30 day late payments twice which is showing on my XXXX credit report, I spoke to an agent in regards to the matter and she said they will not correct the report. I'm asking to have my report updated to reflect the correction on all 3 credit reporting agencies. I'm a woman of XXXX Navy Federal Bank has pending litigation in regards to their XXXX practices towards minorities. They have an active class action lawsuit pending this is the 3rd time they have unjustly reported me as being late with no results, they also applied one payment to the wrong card and never corrected that which made me 30 days late and refused to correct it after they admitted fault.
Consumer complaint received 2024-10-11
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. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2021-11-08
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. (PA)

I like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Have sent me demanding letters saying a debt is owed. Information that they are reporting wasnt validated and when asked to validated provided same exact response to the validation. This company is reporting false information and degrading my credit. 
PORTFOLIO RECOVERY A Last reported XX/XX/XXXX {$3000.00} Open balance XXXX XXXX XXXX  XXXX XXXX A Original creditor XXXX  Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes after resolution Collection account Original creditor name XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-XXXX-Balance {$1500.00} XXXX-XXXX-Balance {$240.00} XXXX XXXX XXXX-XXXX-Balance {$62000.00}
Consumer complaint received 2021-11-08
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. (SC)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2021-11-08
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. (TX)

This account was used by a relative whom I didn't loan the card to and needs to be taken off of my credit report. 
XXXX XXXX XXXX Experian Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogator Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} No. of Months ( terms ) : XXXX High Credit : {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$660.00} {$660.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-08
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. (MO)

Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-11-08
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)

This is getting ridiculous, And have violated every rule imaginable from the FCRA. I asked time and time again to verify this bankruptcy that is on my credit report. You have not verified anything, the only thing that you have sent was a letter stating that you received this information from XXXX XXXX and they supplied the information which is a lie because my account is Frozen, so they did not supply any information to you neither did the court house. I received a letter from the Bankruptcy court stating that they did not verify any information. The law states that you need to supply persons name and telephone number of which you spoke to, which you have not only verified what you found in public records. No new investigation needs to be had, unless you want to join me in court for maliciously putting incorrect information on my credit report. Please remove ASAP