davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice 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, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. This is clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE at once! 

XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX  - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Consumer complaint received 2024-10-01
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-01
Product: Credit reporting 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. (GA)

The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (NC)

On XX/XX/year>, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the Equifax data breach, raising concerns that it may have fallen into the wrong hands.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of XXXX XXXX bondage debt and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
XXXX XXXX account number XXXX has violated my rights as a victim of Human Trafficking under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Consumer complaint received 2024-09-29
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. (IA)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX : {$0.00} personal These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2023-07-20
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. (TX)

I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate reporting of several accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these inaccuracies directly with the credit reporting bureaus, the situation has not been rectified. 

Details of Inaccuracies : XXXXXXXX XXXX XXXX Account No : XXXX This account has been inaccurately reported as a charge-off with late payments that did not occur. Despite multiple disputes, the credit bureaus have failed to correct or delete the erroneous information. 
XXXX XXXX XXXX Account XXXX : XXXX This account has inaccurate reporting of late payments and incorrect account statuses. These errors have persisted on my credit report, despite efforts to dispute them. 
XXXX XXXX XXXX Account XXXX : XXXX The reporting of this account includes a collection status that is inaccurate. These entries have been challenged but remain unresolved. 
These inaccuracies are in direct violation of the FCRA, specifically : Section 609 ( a ) which ensures consumers ' right to accurate reporting.

Section 611 which requires credit bureaus to conduct reasonable investigations when disputes are raised.

Section 623 which holds furnishers of information accountable for providing accurate data to the credit reporting agencies.

Efforts to Resolve the Matter : I have contacted the credit bureaus and the original creditors on multiple occasions to correct these inaccuracies. Despite submitting formal disputes, the credit reporting agencies have either failed to investigate properly or have not corrected the information. This has caused significant damage to my credit profile. 

Requested Resolution : I am seeking the immediate deletion of the inaccurate information from my credit report. I request the Consumer Financial Protection Bureau to take appropriate action and ensure that the reporting agencies and creditors comply with the FCRA. 

Attached are copies of : My dispute letters to the credit bureaus.

Credit reports showing the inaccurate information. 
Sworn affidavits outlining the inaccuracies and violations. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

My Citibank ATM savings account was created online on XX/XX/year> - while I was traveling in the XXXX. Once created, I transferred XXXX from my XXXX account to my newly created Citibank account. Once the funds cleared and were posted to my new Citibank account, I initiated a wire transfer in the amount of XXXX. This transaction was successful. I took a screen shot of the successful completion on XX/XX/year>. My balance confirmed the XXXX. When I checked my account, either the next day of the day after, my balance was back to its original amount and my account was blocked. Citibank XXXX department had flagged my transaction. I contacted them and the informed my that they had sent a letter to my home, in the XXXX. I needed to provide a reference number to remove the block. I had to wait until I returned to the XXXX to check my mail. Having not received any correspondence, I called them and they were able to unblock my account after verifying my identity through a series of questions. I tried to do a wire transfer of XXXX back to my XXXX account and was blocked again. I was informed that a reference number would the sent via mail, again, to my home. That was XX/XX/XXXX. It is now XX/XX/XXXX. I have not received any mail, neither the first or second letter. Escalation attempts fail.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

I order XXXX shirts from XXXX, the good delivery date was late and it was beyond my expectation date, I cancelled the order to XXXX but I did not get the response from them, the good was still delivered to my home 3 weeks after I cancelled the order.I returned the shirts to the merchant. It was delivered/was returned to the vendor on XX/XX/year>. XXXX is on behalf of the vendor, charge me {$270.00} stating the merchandise was delivered to me on XX/XX/year>, which is not the true facts. XXXX declined my charge dispute. I would like to have my money back, besides, the vendor is selling the fake clothes, that s not XXXX, it is XXXX  shirts
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (TX)

Complaint Against PHH Mortgage for Violating Rights Under Negotiable Instrument Law and Other Federal Regulations PHH Mortgage Loan Number : XXXX Dear Consumer Financial Protection Bureau, I am filing this complaint regarding PHH Mortgage 's handling of my loan, specifically related to their disregard for applicable negotiable instrument laws, as outlined in the Texas Business & Commerce Code ( Section 3.104 ) and other federal statutes.

I have been in the process of learning about negotiable instruments and their lawful use, particularly in the context of my mortgage agreement with PHH. My intention has always been to follow the law and conduct myself appropriately in accordance with Texas statutes and the Uniform Commercial Code. Unfortunately, PHH Mortgage has not only failed to acknowledge my efforts but has also made accusations of fraud, frozen my account, and issued intimidating communications, all of which violate my right to an informed use of credit under 15 U.S.C. Chapter 41. 

I am not attempting to commit fraud. The steps Ive taken follow established laws governing negotiable instruments, including the use of promissory notes as valid instruments. These instruments are legally binding under Texas law, yet PHH Mortgage has failed to meet its fiduciary responsibilities about these transactions. Additionally, PHH has been benefiting from the instruments without proper disclosure to me, which constitutes a violation of fiduciary duty.

PHH Mortgages actionsthrough freezing my account and threatening mealso interfere with my rights under 15 U.S.C. Chapter 41, which ensures that I have the right to informed use of credit. Their aggressive tactics, which suggest I am engaging in fraudulent activities, are not only unfounded but constitute potential libel and slander. If this behavior continues, I intend to pursue legal action and hold them accountable for these violations. 

Furthermore, PHH is legally obligated to present the negotiable instruments I have endorsed and tendered for payment under Texas Business and Commerce Code, Section 3.501. They can not selectively disregard these laws. PHH Mortgages refusal to process these instruments and their failure to meet their legal obligations under federal and state law is why I am bringing this issue to the CFPB 's attention.

I am requesting an immediate review and resolution of PHH Mortgages conduct to ensure they comply with applicable negotiable instrument laws, the Texas Business & Commerce Code, and federal consumer credit regulations. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (OH)

My student loans have been discharged under sweet v. cardona. My loans should be in administrative forbearance until the discharge is complete. EDFinancial has taken them off of forbearance and has a payment due in XXXX. I have called the federal student aid and EDFinancial. Federal student aid says they sent the information to EDFinancial. EDFinancial says they have the information. However, they have not placed my account into forbearance. I understand that the discharge takes time. Im fine with that. But I should have no payments. Im worried that Im going to run into even more problems with getting my refund from the discharge with how this has gone.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

I noticed that inaccurate information was being reported on my consumer report regarding a debt to LVNF Funding, LLC/Resurgent Capital XXXX XXXX I wrote the company requesting validation of this debt since I had no knowledge of the company, the account, the amount, etc. The company did not respond to my requests. They did not send validation information. This debt is negatively impacting my consumer report/credit score. According to15 U.S. Code 1692g, I am within my rights as a consumer to have this information within XXXX days or have it removed from my consumer report.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Chase closed my checking 's account on XXXX XXXXXXXX XXXX, and it had funds of around XXXX at the time. I have made several calls since then to their customer service asking for an XXXX when will I receive the funds, but they dont provide me any information and just says that it is under processing.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (IN)

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, first progress card, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX