davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion to file a dispute on XX/XX/year>. I dialed ( XXXX ) XXXX. I was on hold for over an hour. I was then connected to a female ( XXXX ) in the XXXX. The agent then disconnected the phone on me exactly at XXXX XXXX  XXXX. This is known as call-avoidance. This is not a one-time isolated event. TransUnion has a pattern and practice of doing this. I seek to hold TransUnion accountable. Please sanction TransUnion. I will continue to file valid complaints, each and every time this happens. In addition, I will follow up with more valid complaints with the : FTC, CFPB and XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/year>, to file a dispute. I dialed ( XXXX ) XXXX. I had to wait an hour for an agent to call back. Soon as l answered the phone, the agent disconnected the phone. I received the inbound call exactly at XXXX XXXX  XXXX. This is known as call-avoidance and is unacceptable. I seek to hold TransUnion accountable. Please sanction TransUnion.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was informed recently that I was a victim in the XXXX XXXX XXXX and I have close to 10 derogatory accounts reporting on my credit report. After sifting through my credit report, I have found some errors on these fraudulent accounts that were opened in my name. I have disputed these accounts a few times with no change. The main error is on one of the following accounts is reporting a name of XXXX XXXX and also XXXX XXXX. I would never open a account under either one of these names. Here is a list of the following accounts. ( I have filed a police report and also filed a report with identity theft.gov. 

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 XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (IL)

The account from XXXX XXXX XXXX XXXX is having a negative impact on my XXXX  which is causing adverse effects in my life as I am trying to start my own business. I Demand that this account be removed from my credit report immediately as pursuant to my consumer protection rights
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

I experience fraud and identity theft at chase bank. In which XXXX dollars was stolen and the wrong information is showing up on my account and I can not access on line. The last numbers are XXXX and that is not my number. It is XXXX XXXX. It's keeping me from accessing my account and funds
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I try to sign in to them and they keep saying I cant be identified. I never told them to put and freeze and a announcement that my report was reported fraudulent to where I cant get in to change it they keeping me locked out and they still havent allowed me to access my report that is being reported fraudulent. And how they offer me loans and cards that they know I wont get even tho they say its tailored to my low score to possibly be able to receive and I dont then they drop my score knowing Im not going to get it
Consumer complaint received 2024-07-03
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (NJ)

Hello I am writing in because I found fraudulent inquiries on my account that I did not authorize. I pulled my credit report and found that these XXXX inquiries were not made by me. I attempted to reach out to these companies, but I got stuck with representatives who had no idea how to help me. I even sent them letters and no response back for weeks and weeks. I would like to have these fraudulent inquiries removed immediately. I believe I am a victim of fraud. I have no idea who would have opened these. Thank you for your help. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the consumer. The consumer reporting agencies XXXX XXXX, XXXX, and Experian have been reporting inaccurate information onto my consumer credit report without my written consent. It is illegal to report transaction history Per 15 U.S.C 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I did not give my written consent for inquiries listed on my credit report so please remove all inquiries that is not an open ended credit account Per 15 U.S.C. 1681 ( b ) permissible purposes. If your investigation concludes the account is verified, please provide me with the documentation that was used to verify the open account.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX AFFIRM Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX XXXX  account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.
Consumer complaint received 2024-08-06
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. (MS)

After the reinvestgation of the 4th time this account is still inaccurate and incomplete it still appears to be on my consumer FICO credit report inaccurate. 15 U.S.C. 1681 ( I ) ( 5 ) by law you are obligated to reinvestgation the account and delete inaccurate and incomplete items. This account has several inaccurate and incomplete information remove immediately! 

XXXX XXXX ( account number ) XXXX
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XX/XX/2016 I called Nationstar mortgage, my servicer, to apply for a mortgage based on a solicitation I received. I spoke with XXXX XXXX at XXXX who accessed my current loan, which is now fully adjustable. I was interested in a HARP loan as my property is still underwater. XXXX wanted to pull my credit but I said before you do so I wanted to see if the rates were where I needed them to be as I has a bad experience with Nationstar the prior year ( more to come on that ). 

XXXX quoted 3.875 % on a XXXX ARM and 4.625 % on a 30 yr fixed based on my loan parameters. I said these rates were acceptable and that I wanted to apply. He said he would pull my credit, start the app, then call me back. XXXX mins later my phone rang and XXXX indicated my credit score was very high ; however, he misquoted the rate and in order to get 3.875 % I would have to pay XXXX points ( over $ XXXX ). This was not acceptable so I asked for his supervisor to call me back as I felt this was a bait and switch. If I knew that up front I would never have authorized hem to pull my credit as I did not want the inquiry. Note : the day I called the 10 yr bond was at a 3 yr low. 

The next day XXXX XXXX, the supervisor, called and said he listeded to the call. he apologized for his employees misinformation but could not offer me the 3.875 % rate. Again this was unacceptable as I would never had authorized them to pull credit if they told me the rate was with XXXX points. This is HARP loan and is supposed to help the consumer not extort them for XXXX points.. Note : my current rate is 3 % but fully adjustable and set to amortize over 20 years XX/XX/2016 The professionalism at Nationstar is severely lacking which is why I am filing this complaint. I attempted to refinance this same property last year, was locked in at 4.75 % with XXXX points and the loan was in process but the processor would not return any calls. She would just respond via e-mail.. I became frustrated and escalated to a supervisor who was not any better. The loan was being processed at XXXX. I did not have time for the back and forth e-mails as they kept asking for the same thing multiple times and would not call me to discuss. I never heard back from them and to this day I still have not received a disposition letter. 

With Nationstar being my servicer I have no other viable options for this HARP 2.0 refinance and I keep getting the run around from them. They need to honor the rate that was quoted as my payment is set to double this fall based on the letter I just received.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (VA)

On about XXXX US Bank  XXXX XXXX XXXX ) reported my credit card as delinquent in error, after disputing the matter directly the company then agreed to correct the issue. According to XXXX representatives XXXX and XXXX they have updated my record as well as sent letters to all credit bureaus. I also received the letter. The only credit bureau to consistently not correct and update my file is XXXX. I have made multiple disputes and each time the information reappears on my credit causing irreparable damage to my credit status. The balance is incorrect. Payment history incorrect and the account is not and has never been past due. I made a complaint with XXXX supervisor XXXX XX/XX/24 and she advised no follow up on complaints but provided case # XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Metro Collection Service Inc. (TN)

Dear CFPB, This is no longer a goodwill attempt. XXXXXXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. 

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have a credit freeze on my credit report at Equifax. I should be able to manage my credit freeze online when I login to my account at my.Equifax. I can log into my account however, their website states We are temporarily unable to retrieve the status of your security freeze. Please try again later. For monthes I have not been able to manage my credit freeze online. I have phoned Equifax on XX/XX/year> and again on XX/XX/year>, both times the customer service representative said they would expedite the issue to the technology support group. They also said that they would contact me back but they never did contact me. 
In most cases, if you make the request online or by phone, the credit bureaus can lift a freeze in near real time. The Federal Trade Commission allows the bureaus up to one hour to complete an online or phone request, while requests by mail must be granted within three days after receipt. I have not been able to manage or temporarily left my credit freeze at Equifax online. For several months Equifax says We are temporarily unable to retrieve the status of your security freeze. Please try again later.
Consumer complaint received 2024-08-29
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. (FL)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX 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 XXXX 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.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mutual Management Services LLC (HI)

What happened? 

I entered into communication with Mutual Management Services regarding an outstanding debt listed under account number [ Account Number ]. On XX/XX/year>, I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. This request was sent via certified mail, and I have documentation proving that the letter was delivered. 

Despite my compliance with the FDCPA and the legal requirements for debt validation, I have not received any response from Mutual Management Services. In addition to the certified letter, I followed up with regular mail, and again, no response has been received. This failure to validate the debt constitutes a violation of the FDCPA, which requires debt collectors to cease collection activities until the debt is properly validated. 

Furthermore, Mutual Management Services continues to report this unverified debt to the credit bureaus, negatively affecting my credit score. Their continued reporting without validating the debt violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates accurate and complete reporting by creditors and debt collectors. 

I am requesting an investigation into this matter and that Mutual Management Services be required to validate the debt or remove the negative entry from my credit report. Attached are copies of the letters I sent, along with certified mail receipts as proof of my communication attempts.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!