davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX 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 2023-07-23
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: EQUIFAX, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-23
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-23
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. (GA)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-23
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-11-22
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-18
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. (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 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 2023-07-23
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: EQUIFAX, INC. (NJ)

I requested that a few questionable accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Consumer complaint received 2023-07-23
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. (TX)

I finally accessed my XXXX  credit report and shows on XX/XX/2023 that XXXX XXXX XXXX somehow accessed my credit info and did so without my knowledge and without my consent. this is fraud.
Consumer complaint received 2023-07-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

Never Late & Inaccurate Reporting. 

Never Late on ANY loans with the following lender.

Inaccurate reporting, as the information being reported is not up-to-date and misrepresents the credit history. Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA 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 2024-05-01
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. (CA)

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXXXXXXDischarged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
Consumer complaint received 2023-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

At the end of XX/XX/2023, I received over 32 letters of " claims '' that were filed, in which I did not request or authorize. During this time, I continued to receive these letters of reversal payments from credit cards, companies I am no longer affiliated with, and other companies I have never heard of, and when I called Chase Bank to address this situation by phone, I was put on hold and waited over 2 hours and no one returned. I then received letters stating that " We have completed our research, and find that these claims were processed correctly, therefore we are going to be withdrawing funds from your account. '' After receiving these letters from beginning to mid XXXX, I went to the company, again Chase Bank and spoke to someone about this issue, and they just closed my account and stated, " We no longer wish to do business with you, you are to repay these funds, and this amount ( of over {$10000.00} ) will be sent to collections. '' I then took it upon myself to call the companies that " authorized '' these reversal payments and after speaking to them, they were left with a lot of confusion and told me, " We do not authorize or perform reversal payments, I am not sure who told you that. '' I have all documentation and names of all my lenders and people I spoke to at Chase Bank, and can provide evidence upon request.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

Payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2023
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (NY)

I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored
Consumer complaint received 2017-11-25
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. (CA)

Regarding TransUnion credit reporting agency, for over a year now, I have called their Dispute department repeatedly, submitted on-line disputes into their system directly, and have written to their CEO directly as recently as XX/XX/XXXX, pleading that they update my Chapter XXXX Reorganization status from FILED to DISCHARGED. 

I am suffering from a low FICO score - this impacts my job prospects and lending underwriting. I was a victim of HOA abuse and banking illegal foreclosure which resulted in my Chapter XXXX Reorganization filing in XX/XX/XXXX, upon the advice of counsel, to protect my estate. It has taken me five ( 5 ) years to improve my credit - I am now over XXXX. Yet, TransUnion is interfering with my healing and recovery - continuing the abuse and violations I have suffered. 

As a result of their overt negligent mismanagement of my credit file, even considering all the opportunities I gave them to fix my record, I was just declined for a vehicle loan as a result of my TransUnion credit report. The dealer specifically called out that the Bankruptcy was listed as FILED which was the cause. Even when I gave the dealer a copy of the courts Final Decree - Case Closed, same as I gave the TransUnion, they were adamant that they must go by the credit report BK status, even if it 's incorrect.
Consumer complaint received 2017-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (WI)

Pacific Union Financial handles my account. While I have, supposedly, authorized them to make my escrow payments, they failed to notify me that said escrow was paid on XXXX/XXXX/XXXX. 

Today, XXXX/XXXX/XXXX, my wife went an made our escrow payment to the city of XXXX, WI, using our own funds. We were never notified by phone, mail, or email, that payment had been previously made. 

It will now take XXXX weeks for me to get refunded for my trouble
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
Consumer complaint received 2017-12-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (DE)

The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.