davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted a CFPB complaint on XX/XX/year> to ChexSystems regarding an inaccurate account with XXXX XXXX XXXX XXXX. ChexSystems responded on XX/XX/year> stating that XXXX XXXX XXXX XXXX verified the information to be accurate and complete. On XX/XX/year> I submitted a CFPB complaint asking ChexSystems to provide me a description of their reinvestigation procedure. ChexSystems failed to provide me with their reinvestigation procedure which is a violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which states that " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. '' Also a violation of 15 USC 1681i ( a ) ( 7 ), which states " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' I'm also confused as to how ChexSystems verified this account because I received a letter from XXXX XXXX XXXX XXXX and they didn't verify nor validate said account. Failure to remove this information will result in me seeking legal remedy.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-07
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. (IL)

Someone tried to open a XXXX credit card in my name on 2 separate occasions. XX/XX/year> and on XX/XX/year>. I called the number listed for XXXX and told them I did not apply for a credit card. They told me to call the 3 credit bureaus. XXXX and XXXX have removed these hard inquiries but Transunion has not. Letters from XXXX state someone may be using your personal information fraudulently but no other information other than that. I need the hard inquiries removed from my account as I did not try to open any accounts. I have tried with Transunion and they still show on my account. I do not know what else I can do.
Consumer complaint received 2023-08-01
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. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. 

I immediately contacted TransUnion upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. 

As a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. 

I kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX MY LAST NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently pulled my TransUnion credit report on XX/XX/XXXX. I've also noticed account # XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting 30 to 59 days late and reporting in the pay status column as ( Was 30 day past due for XX/XX/XXXX. TransUnion is knowingly reporting inaccurate 30 day past due payment delinquency XX/XX/XXXX in the payment staus column. TransUnion has also exceed the 30 day investigation ( From XX/XX/XXXX to XX/XX/XXXX, they never produced the original contract, nor did they prove any delinquency in the payment History. That I ever had a delinquency for XX/XX/XXXX. This account was paid in full XX/XX/XXXX. According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish 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. TransUnion did not perform any investigation into this knowing error reporting on my credit profile. ( See Attached Documentations ). According to the reported information in my TransUnion credit report. It clearly shows that I've made 100 % of 19 payments. It also reports that there were know known missed/late payments in the payment History column. It then reports that there were know worst payment status- Current. It also reports know known times XX/XX/XXXX days late - XXXX. So how is it that in the Current Payment Status - It reports XXXX days late. Now According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I ask that XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX be deleted from my TransUnion credit profile.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. XXXX. 
XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (VA)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, 15 U.S. Code $ 1692c
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see attachments. 

XXXX XXXX has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7.

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, TransUnion say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify.

All of this is all AFTER an alleged verified dispute.

I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX XXXX XXXX STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN
Consumer complaint received 2024-08-02
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: I.C. System, Inc. (PA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (ND)

I took out two loans from a Regional Finance on XXXX XXXX in XXXX Alabama. I was close to paying off the first loan, but was having legal troubles and had to have more money, so they approved me for another loan. According to HJR 192, I could have discharged the debt if I had a bill of exchange or payment coupon to endorse with my beneficiary signature and UCC codes, such as : UCC 1-308, 3-603, 3-104, 3-306, 3-311. They kept sending ledgers of the total amount of approximately {$7000.00}. But I couldn't find all of the information on the ledger necessary that would have made it a payment coupon. HJR 192 states that there can be no payment for debts because the gold standard was suspended. Debts can only be discharged into a perpetual cycle. The U.S. can not pay their debts thus other debts can not be paid either from the people.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (NC)

It was suppose to be a company that help your credit you pay XXXX dollars and in so many months you can be eligible for a self credit card. I seen no increase in my credit so I withdraw my decision to continue with them. I never took a loan out with them. I never had no legal contract owing them any money. So how can they report to your credit as if you got a loan with them and then report to your credit report that negative and that you have late payments. When you never took a loan out with the company. I have disputed it. And it keep coming back saying updated. I dont understand. XXXX just trying to get it removed from my Credit because it shouldnt be there cause, I dont owe this company any money instead of helping my credit they damage my credit. The negative information have to be on my credit for XXXX years when I never took a loan out with them, and XXXX sure this happened to other people. I need to have this removed from my credit.I reached out to them by phone no answer, I also emailed them no response back. Please help!
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (UT)

i had tried renting out a house they had sent me multiple messages and i finally responded i went to go see the house i even got in the house they wrote me a contract i gave them the money for it they where going to show up never showed up they took my money didnt respond i got a hold of my bank and i filed a police report who ever was in the other side i tried sending them the request to get my money back it kept getting rejected i told the police and i talked to the bank they decided me i still havent gotten my money back and i am struggling to make ends meet and home to stay at
Consumer complaint received 2024-07-07
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. (FL)

These XXXX accounts on report needs to be erased from my file. I attached & provided an ftc report previously showing proof that the accounts werent mines. I would like for my case to be reviewed again & to delete all fraudulent accounts from my report .The public records with the different numbers needs to be removed as well. Those numbers doesnt belongs to me.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I've been a DISCOVER card client for probably close to 20 years. And there has never been a single late or missed payment on that account for at least a decade ( if ever ). 

On an tangent note, I haven't had a single missed or late payment on any credit source for at least 10 to 15 years. 

I had a XXXX percent balance transfer that was coming due and they emailed me a " valued customer payment plan. '' It reduced the fees and extended the payment length. It sounded like a nice option, so I accepted and continued to make the same monthly payments that I already automated from one of my banking accounts ( wells fargo ). 

Fast forward a few months and my credit report was hit was an alert. It was stating that I missed three consecutive payments which reduced my credit score by nearly XXXX points. 

I reached out to remedy and they stated that was " the penalty for accepting the new plan '' and refused to adjust. I tried to get XXXX to challenge and they rejected them as well. 

I had the cash to pay the entire amount at the time it was due. This is a terrible and downright fraudulent business practice.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AZ)

XX/XX/XXXX RESURGENT/LVNV FUNDING for the amount of {$660.00} and {$1100.00} has violated my consumer rights according 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 accounts without my written instructions. 15 USC 1666b ( a ) a creditor may not treat payment credit card account an open end consumer credit plan as late for any procedure. 1 5USC 1681 ( a ) 2 I didn't give written permission to have this account furnished on my report. 15 USC 1681 ( 2 ) ( a ) ( i ) consumer reports. 5 U.S. Code 16812 - Responsibilities of furnishers of information to consumer reporting agencies. 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 Please deleted all this wrong negative accounts off my credit report immediately. USC 1692 g validation of debts. FCRA Section 605B. ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. USC 6801 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. and USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. RESURGENT/LVNV FUNDING has failed my consumer rights and my negative account must be taken off my credit report immdeiately.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.