davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX and TransUnion credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2023-11-07
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. (PA)

This is my third correspondence and 2nd complaint sent against my Experian disputes. My last response from them was over XXXX day ago on XXXX XXXX XXXX  This was a request for a re-investigation after receiving my credit report and found many inaccurate information that did not have my consent. I never received a response and it is over 30 days of my dispute to Experian and my complaint to CFPB. 



Regards XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Ive disputed the validity of this debt. The company previously removed this debt because it was the result of identity theft. Portfolio Recovery is now reporting this debt again, they just changed the amount theyre reporting. Theyve provided no information for debt validation and/or debt verification. The amounts are between the original creditor and this collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information is incorrect. It hasnt been validated. This collection company are reporting different information for the same account than what the original creditor listed.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been in communications with TransUnion about inaccurate personal information on my credit report. Even after notifying them many times about this error, they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told TransUnion many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2. 

My only name is : XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My only date of birth is : XX/XX/year> My only employer is : N/A You are required to do what I am asking and block the following personal information from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX XXXX
Consumer complaint received 2023-11-07
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)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian showed child support as closed paid in full as of 2019. But it still was on reprt. I asked experian why was this and all of a sudden it came back as open. XXXX balance but open. I called child support and they verified that it was paid in full since 2019. But for some reason experian refuses to close it.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (IL)

Ive been contacted several times via phone and email about a debt that Im unaware about from this company. I asked the company to verify the debt that I owed to them they stated that they were a third party debt collector and couldnt verify that I owed there company anything
Consumer complaint received 2023-11-07
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. (TX)

A XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account that is due for collections is showing up on my credit report. The account is for the of amount of {$4000.00} and was opened in XXXX XXXX  and has been in good standing.
Consumer complaint received 2023-11-07
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have reached out to all three credit bureaus about the inaccuracy of my report. I have two bankruptcy on my credit profile which is preventing me from obtaining federal employment. Im young. Trying to further my law enforcement career this has been damaging me for years. Ive sent letters to bankruptcy court and they stated they do not report my information to the three credit bureaus. I reached out to XXXX XXXX and Experian they have failed to remove the public record. But they constantly send stall letters after I have asked for a full investigation and removal.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

American Express Company is Acting suspicious after I Did complain to their employee XXXX on XX/XX/2023 of having my account charge {$25.00} dollar transaction fee due to canceled payment transfer or not approved by my bank. 

Explained to XXXX XXXX that why if I pay Monday or Any other day of the week AMEX charge so many days later the money in my back account making me problems of balance adjustments or even having issues to complete the payments due to been few dollars shorts for the reason they never take their money when I pay them. 

After few minutes conversation XXXX did not have a valid answer after I spoke to him that I have to cancel multiple payments because Amex don't charge on time and this is making my card been over limit because I never have control on my payment dates and I been charged fees of payment fail every time {$25.00} because they can't get their payment on time. 

Why to pay {$25.00} when other providers like XXXX XXXX allow you to pay {$3.00} to get your credit card payment fast on same day without waiting many days like American Express does to make their profit business charging XXXX dollars to each customer also, they scan my account and they also know when my business account have money why they always charge when the account is negative? 

After I complained to them, today XX/XX/2023 I been called and email requesting my private bank statement and blocking my account and even saying or discriminating against me saying they will close the account without no valid reason and sending me and email after many hours later of getting all my information saying the reason because I ask them. 

I would love this case to be investigated, I do not have any personal problems with this company but why they so scary after I asked about the {$25.00} fee been charged when they can take the money like XXXX XXXX does same day when actual customer have money in their bank account and avoid charging millions of dollars on fee on people that maybe is {$3.00} or {$10.00} dollars short and can't go to the bank because they don't have control of when a financial institution so powerful that even is XXXX scanning bank accounts and knows if have money or not with their called XXXX XXXX XXXX is charging money when they know balance is {$0.00}? I Think these tools are for improvement not to empty consumers account balance by charging {$25.00} dollars and having then pay late and their credit been affected.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is in violation of FCRA 15 U.S.C. 1681S-2 1 ( a ) ( A ) ( B ) ( 2 ) ( B ) reporting a sold account as a collection and with a balance
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX. They have claimed to put a lien on my house in multiple counties which makes no sense. I got a writ of garnishment and I get these court forms that are not legally filed with the clerk which means they are not valid judgements AT ALL months after theyve filed them and there are magically never any hearings to attend either. 

Talk about harrassment from a debt collector who LITERALLY IS AN ATTORNEY. Thats not supposed to be legal. 

Maybe they should go after my ex who fraudulently used my card and also committed IS theft against me multiple times. It would be a better way to spend their energy instead of harassing a single parent whos absolutely buried and feeling stalked by illegal court documents that are never ever properly filed! Perhaps they can talk to my exes attorney because they apparently both improperly served documents regarding my income in the same courts by randomly just dropping stuff off as if thats a valid process in a court house. 

Creeps.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WI)

On XX/XX/XXXX, I logged into my student loan account with aidvantage and submitted a payment for the entire balance of the loan ( {$5500.00} ) using information directly from a check to ensure routing information was correct. This payment was submitted as an electronic bank transfer. I received a confirmation email from aidvantage on XX/XX/XXXX that my payment was posted on XX/XX/XXXX. The next communication from aidvantage on XX/XX/XXXX stating that I missed my first payment due on XX/XX/XXXX. Aidvantage then added {$22.00} in interest to my account. I was never notified that my first payment was not processed through aidvantage. I then resubmitted my payment to aidvantage on XX/XX/XXXX. This payment was for {$5500.00}. I received an email from aidvantage on XX/XX/XXXX confirming my payment. I checked my account on XX/XX/XXXX, and my payment was being processed. There were no signs of issues with my payment and it showed XXXX balance. On XX/XX/XXXX I review my bank statement and found that aidvantage never took money from my bank account. I checked my aidvantage account and my payment was reversed on XX/XX/XXXX as dated by aidvantage without notice. This could not have happened on XX/XX/XXXX, as I checked my account on the XXXX and my payment was still being processed. I called the phone number listed on the payment confirmation which is listed as the support phone number. I was put on hold for multiple hours, at which time I never was able to talked to a representative and was unable to remain on hold any longer. I am now mailing a check on XX/XX/XXXX for the original balance owed of {$5500.00} to aidvantage with a letter explaining how I never missed a payment and was not notified of any issues with my electronic payments. I was wrongly charged interest on my account and I am no longer willing to pay it. I do not want this to hurt my credit as I made every attempt make my payment in full well before the payment was due. I informed aidvantage in my letter that I filed a complaint with the CFPB.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IL)

This is a follow up to Complaint XXXX I tried to email documents showing proof of XXXX insurance to Shellpoint Mtg but I keep getting undelivered notices. 
I am being charged lender placed insurance for years even tho I have XXXX insurance through my condo assoc. 
XXXX XXXX XXXX XXXX XXXX XXXX  for further insurance info contact XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (TX)

The Fair Credit Reporting Act ( FCRA ) says that consumer reporting agencies, like XXXX, must handle their responsibilities fairly, impartially, and with respect for consumers ' privacy. I'm the consumer here, and I have the right to make sure my private information isn't shared. This right is supported by another law, 15 USC 6801, which states that financial institutions must always respect their customers ' privacy and protect their personal information. 

EXTRA, who provided this information to the credit agencies, known as " furnishers of information, '' are considered financial institutions under this law. According to 15 USC 1681 section 604, a consumer reporting agency can only share a report about me if I specifically tell them to, in writing. However, neither EXTRA nor the consumer reporting agencies, like XXXX, have my permission or written consent to share this information. I'm revoking any consent I may have given, whether it was verbal, non-verbal, written, or implied. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can't share my private information with outside parties unless they explain to me how I can choose not to allow it. EXTRA nor XXXX didn't inform me about this right. Additionally, 15 USC 1681C ( a ) ( 5 ) says that consumer reporting agencies can't include certain negative information in a report without permission. EXTRA and XXXX are doing so without my consent, which is against the law. 

Under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it's illegal for anyone to provide inaccurate information to a consumer reporting agency knowingly or if they have a good reason to believe it's inaccurate. XXXX is violating this provision. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies to have reasonable procedures to avoid breaking the law and to limit the sharing of consumer reports to specific purposes. It's clear that XXXX is not following these reasonable procedures. 

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Given the violations and disregard for my rights mentioned above, I am choosing to opt out of your reporting services in the reporting of EXTRA
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NY)

I obtained a Loan Modification through the Bankruptcy XXXX process & The Mortgage Servicer deliberately refuses to accept my payments over a period of 2 years with no explanation or justification .I have sent XXXX Wire Transfer to them for my Mortgage Payments & they have refused everyone of my payments, My Mortgage payment monthly is {$3100.00} But they have insisted to XXXX XXXX {$4100.00} the Principal XXXX XXXX XXXX the same I have sent them the statement from the XXXX Department XXXX XXXX XXXX my Annual Property Taxes I have sent them a Statement from my Homeowners XXXX XXXX the Annual Amount for my Homeowners XXXX XXXX Yet they have refused to honor the legitimate proofs,, My Home was completely destroyed bey a fire & I still submitted my payments & they refused all payments .They choose to send me misinformation & wilfully misleading information, My life is in constant Limbo XXXX am entitled to compensation from XXXX XXXX due XXXX XXXX fact they have violated numerous Consent Orders from The CFPB, The XXXX Treasury Department XXXX XXXX XXXX of XXXX Comptroller of the Currency XXXX XXXX New York XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX credit rating due to their negligence has decreased tremendously, causing me to be unable to obtain credit
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Amex Subject : Urgent Follow-Up - Dispute Regarding Charges for Unperformed Services ( Ref : Letter Dated XX/XX/XXXXXXXX  ) And XXXX XXXX Fax Dear American Express Company I am writing to follow up on my dispute regarding charges for unperformed services, which I first raised in my letter dated XX/XX/XXXX. While I understand that investigations can take time, I am concerned by the conflicting information I've received. 

On XXXX XX/XX/XXXX I received 2 generic letters with no contact name ir telephone number to reply to, informing me that my dispute was being investigated. However, on the same day, I also received another letter stating that my claim was closed due to no response for 30 days. I can assure you that this second letter is inaccurate. I have maintained communication with your company through various channels, including : Submitting a letter on XX/XX/XXXX Contacting you through this website Sending multiple faxes with evidence and asking questions that have never been responded to, including the recent California Superior Court judgment in my favor regarding these charges Additionally, I have called your customer service line every 2-3 weeks for the past 12 months. Unfortunately, I have never been assigned a dedicated representative to handle my case. Each time I call, I must explain the situation to a new representative, which is frustrating and time-consuming. 

To expedite the resolution of this matter, I request the following : A clear explanation of the discrepancies in the information I received A response to my questions. 
Reopen my dispute and assign me a single point of contact to handle my case A prompt response with a concrete timeline for reaching a resolution I have been promised a call back by a supervisor on at least seven occasions, yet none have materialized. I hope that this written communication will finally receive the attention it deserves. 

Thank you for your time and assistance in resolving this issue.