davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (OH)

Report in the wrong address on my credit report still have it removed for hard inquiries, and affecting my credit Delete this account immediately unless you want to be held XXXX per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is violating the FCRA under the " guise of it's the creditor ",. After TransUnion was forced to remove items, TransUnion has made every effort to damage my credit, I am done trying to get them to do their jobs accurately, to illegally re insert, and re-age the same duplicate account shows me they are very Deceptive, and will violate any FCRA Law they claim they abide by just to destroy my credit, to keek me getting new credit. Since all they care about is getting paid by creditors, and they are willing to violate the laws, for the creditors, then TransUnion can get sued for every fraudulent account they take off and re-inserted back on my credit such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, who is originally XXXX 's XXXX, for {$820.00} they deleted and illegal just placed back on, and XXXX XXXX XXXXXXXX, Tax lien of XXXX dollars which TransUnion has committed fraud by adding payments I never made to reset the statute of limitations, on a tax lien they are prohibited from reporting,. '' If we got to remove them we are going to re insert old ones ''. 

they are getting to the point where I have hired the XXXX XXXX firm to file a Section U.S.C Lawsuit against them,. My law firm will be watching my credit like a hawk, and I am documenting every fraudulent activity being done by Transunion re-inserting old removed accounts, re -aging debt, fraudulently moving Public records that was deleted, to moving them fraudulently to collections under a false account type, I'm documenting,. And my attorney is recieving all of the documents, TransUnion can either choose to do the right thing, and remove XXXX XXXX XXXX, because I do have every credit report where they had all of the items on there, I have the credit report where they removed the items, to documenting, and creating a file in PDF, and sending it to my federal attorney. I will be watching my credit every second of the day from now on until it's time for the lawsuit hearings to commence, I will be documenting all removals, including re-aged accounts, and re insertions, tax liens from XXXX XXXX, TransUnion whether they removed it or not, TransUnion is going to help me build a case against them. They will no longer be talking to me, but my team of attorneys, and I'm not saying another to them, since they want to do illegal stuff to make their clients happy, we will see when the time comes in Federal Court, if those sane creditors will be there standing beside them, they can keep this message,. Or turn it over to their legal department, I do not care at this point.
Consumer complaint received 2023-11-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint to address an inconsistency in my credit report involving an account that XXXX has already removed due to an identified error. I am perplexed by the verification process undertaken by your bureau, especially considering that other credit bureaus have successfully removed this account from their records. I kindly request that you conduct a thorough review of this account, taking into account the information provided by XXXX and the subsequent removal of the account from their records. As per my understanding of credit reporting laws, inaccurate, erroneous, incomplete, or unverifiable information should be promptly rectified. Accounts Details : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$100000.00}. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-03-30
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. (OH)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX  has violated my rights. 15 U.S.c 1681 section 602 A. States I have a 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.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I have a dispute regarding my California Middle-Class Tax Refund with Money Network for a debit card in the amount of {$250.00}. I received a non-chip debit card in the mail the afternoon of Friday, XXXX XXXX and activated the debit card through Money Networks telephone system that afternoon. The card was in my possession the entire time and I did not use it or share the card number or pin with anyone. I tried to use the card XX/XX/2023 at XXXX and it was declined. I called Money Network and was told the card was used at XXXX in XXXX XXXX on XX/XX/2023 for {$240.00} ( 400+ miles from my home ). I opened a dispute with Money Network that day, XX/XX/2023. I was told it would take 45 days to investigate and that I had to call back on XX/XX/2023 for an update. They also indicated if I received a replacement card not to activate it until the investigation was complete. I received a non-chip replacement debit card with written instructions that fraud had been identified on my prior card and to activate the replacement debit card as soon as possible. I called Money Network to clarify the discrepancy in the written instructions versus the verbal instructions regarding activating the replacement card. I expressed concern that the written instructions were not the same as the verbal instructions thereby wasting time by Money Network as well as parties receiving replacement cards. I again was told not to activate the card even though the written instructions stated to do so as soon as possible. On XX/XX/2023, 45 days since the dispute was initiated, I contacted Money Network by phone. Money Network told me they had " no '' updates regarding the dispute. I was told to call back weekly to see if an update had taken place. Money Network is now not available due to high call volume and their system hangs up on me. 

This company has no incentive to finalize disputes as they are supposedly responsible for replacing any fraudulently used debit cards. Further, the state contract was granted to Money Network because they indicated they would distribute debit cards with chips. I have received two cards, one of which is not eligible for activation yet, and neither one has a chip. I am filing a complaint with the Consumer Financial Protection Bureau in hopes of getting resolution on this matter and also contacting my federal representative. Based on on-line comments, Money Network has a terrible track record for resolving disputes. What incentive do they have for resolving fraud if they are self-regulating and the funds come out of their profits? Further, based on my situation, it appears the fraud is either an in-house employee or due to hacking of their telephone system. Please assist me in resolving this fraudulent dispute.
Consumer complaint received 2023-07-09
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)

You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since XXXX. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports XXXX, TRANSUNION or XXXX, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( XXXX ) All Collection Companies such as XXXX  XXXXXXXX XXXXXXXX ACCOUNT # XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was JP MORGAN CHASE BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (OH)

Dear Sir/Madam, I am writing to express my utmost disappointment and anger regarding the illegal practices of the credit bureaus. As per 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 # Acct # XXXX -tracking # XXXX XXXX XXXX XXXX  # XXXX tracking # XXXX XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX  ACCT # XXXX tracking # XXXX XXXX XXXX -ACCT # XXXX XXXX XXXX -ACCT # XXXX tracking # XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX # XXXX have all infringed upon my rights. 

I want to highlight the following sections of the 15 U.S.C 1681 Act that the credit bureaus have violated : Section 602 A states that I have the right to privacy.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Section 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

Section 1681s-2 ( A ) ( 1 ) 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.

I have attached proof of the letters I have sent out to the bureaus for your records.

I would like to request that you take immediate action to rectify this situation and ensure that my rights as a consumer are protected. I trust that you will take the necessary steps to address this matter in a timely and efficient manner.

Thank you for your attention to this matter.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Account # XXXX has violated my rights. 

I am not liable for this debt with XXXX XXXX XXXX and I DO NOT HAVE A WRITTEN OR SIGNED CONTRACT WITH THEM OR THE " Original Debtor '' and until this day they have YET to provide me with the original applications with my signature on it. Therefor this is misreporting and its negatively impacting my credit report. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up 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 items 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

In my relentless pursuit to rectify this situation for the fifth time, I must emphasize that this constitutes my fourth effort to address the persisting issue. Despite my myriad requests, EQUIFAX has consistently barred my access to my personal credit report, adamantly withholding any information regarding my credit history. Enclosed herewith are supporting documents, encompassing a duplicate of the missive I dispatched to the credit bureau and copies of my personal identification. Please assist me regarding this issue. Thank you.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Comerica (CA)

On XX/XX/2023 I went to and ATM machine from a company called XXXX, which is the designated ATM machine to use my DirectExpress where my Social Security retirement is deposited. I attempted to obtain {$300.00} cash from the machine. It went through the transaction, subtracted the money from my account but did not disperse the cash. 
Direct Express has been not at all helpful and have been have spoken to me in a very derogatory manner and you can never get thru their line without waiting a minimum of XXXX minutes on hold. All I want is the {$300.00} that I am now short. I live on a fixed income and his is very stressful for me. I cant get a straight answer out of DirectExpress except that it will take at least another XXXX weeks. How can this be when the ATM company has told me that all they have to do is verify that the money was never taken out of their machine and I should have it credited back to my account within XXXX to XXXX hours. It is now been XXXX days. What can I do?
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (NV)

Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the Experian data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (LA)

XXXX continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.
Consumer complaint received 2023-04-11
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: MicroBilt / PRBC (formerly CL Verify) (OH)

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2024-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NC)

Hello, I would like to file a formal complaint with the Consumer Financial Protection Bureau regarding Freedom Mortgage 's failure to pay my XXXX property tax to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  in XXXX, NC by the due date of XX/XX/year>. The balance is still outstanding as of today, XX/XX/year>. I am subject to a 2 % interest accrual on any unpaid balance if it was not paid by the due date of XX/XX/year>. This bill was sent to both me and Freedom Mortgage on XX/XX/year>, which provided ample time for Freedom Mortgage to pay it on time. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX