davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed errors on my Transunion report now 3 times, twice through Transunion directly and lastly once through CFPB ( XX/XX/XXXX ). I received a response today that the account XXXX XXXX XXXX # : XXXX was verified and updated. Transunion is still reporting inaccuracies which I am attaching screenshots. The balance has now gone down from {$450.00} to {$450.00} from last month, activity date is showing to now be in XX/XX/XXXX and I have not made any payments or done anything to this account for its activity date to be updated nor the balance to change. The balance has been changing from {$450.00} to {$450.00} back and forth every month and is done in malice to cause great harm to me personally. This account has not been properly investigated or verified and I have not been furnished in how Transunion supposedly verified it. The open dates, activity dates, last active are all also inaccuracies. I believe that Transunion has had enough time to properly investigate and verify this account as I first filed a complaint with them last year on XX/XX/XXXX and sent it through certified mail. I believe at this point Transunion is acting with malice to intentionally harm me personally. I request that this account be immediately and permanently removed from my credit report as it is continuing to willfully report inaccuracies which is a violation of my rights and laws, 15 U.S. Code 1681s2 - 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.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I received XXXX unemployment benefits deposited onto my US bank reliacard. Initially the unemployment benefits were deposited into my XXXX account. Due to a policy change to receive benefits into your personal account the bank of your choice must have a physical branch in state of Ohio. 

XXXX is online bank only. 
I agree to have 2-3 weeks deposit onto my reliacard then to receive paper checks in the mail for rest of my benefits weeks till my XXXX bank account could be processed to receive unemployment benefits. 

Had to go out of town and my reliacard was in my safebox. My roomate during XXXX month spree stole my unemployment benefits by using XXXX to transfer of my reliacard to her own debit card. 

I contact XXXX unemployment office and they advised me to file a dispute with US bank. US BANK denied my dispute blaming me for theft.
Consumer complaint received 2024-08-16
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. (CA)

Almost XXXX  years ago, my wife and I ( over XXXX XXXX XXXX ), took out a XXXX mortgage with Newrez. We have consistently made our payments on time and have never been delinquent. In XX/XX/XXXX, I contacted Newrez to inform them that I was experiencing financial difficulties, as my only source of income is Social Security benefits. I requested to defer the payments for XXXX, XXXX, and XX/XX/XXXX to the end of the mortgage. The person I spoke with assured me that I could do that. Consequently, I did not make any payments for XXXX through XXXX. 

In XX/XX/XXXX, when I attempted to make a payment, I received a notice stating that the account was delinquent and that I could not make any payments unless I paid the full amount due. This amount included payments for XXXX, XXXX, XXXX, and XXXX, along with additional interest and penalties. Since then, I have been trying to resolve this issue with Newrez and XXXX XXXX  XXXX ( acting on behalf of Newrez ). Despite my efforts, I have been repeatedly threatened with foreclosure unless I pay the full balance owed from XXXX to date, including penalties and interest.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: RLB Texas Auto Center LLC (TX)

to whom may concern On XX/XX/XXXX, I leased a XXXX XXXX XXXX, XXXX at Texas Auto Center XXXX XXXX XXXX. I paid a cash deferred down payment of XXXX XXXX 
Unfortunately, upon further review of the contract, I noticed several inconsistencies in the pricing and financing terms that were not disclosed to me during the negotiation process. I feel these discrepancies were intentional and designed to be deceptive in order for me sign a contract that was not in my best interest. A few of the discrepancies have been identified as the amount owed on the vehicle and what is being reported to the credit agency XXXX concerns with the electronic signature such as the misspelling of my name missing information in the contract information that was input not by me information that was misrepresented as being a requirement when it was optional insurance fraud aggressive sales techniques high interest rate inability to successfully contact and communicate with the dealership to obtain any information regarding my lease payment information or receipts In additional, once a copy of my contract was finally forwarded to me, the information detailed between the two differed. 
I have attempted to contact the dealership multiple times to address these issues, but have not received an adequate response or resolution. I've always gotten the run-around. This lack of communication and accountability is unacceptable. I can never get a straight answer. Always put on hold. Always told " NOT able to give that information ''
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

They started calling me on XX/XX/XXXX They called me from XXXX They started with the conversation that I was going to be served within the hour with papers to do with an old ( alleged ) debt of " XXXX  years ''. I then they gave me the number to the actual party and they stated that about my the alleged debt and that I owed over $ XXXX at least wouldn't give me the exact amount. Also, insisted that I owed HSBC of XXXX of my auto loan. My car was repossessed and that I still owed this amount. The lady kept on insisting that I owed it-when I didn't. Then I informed her that I am going to reach out to an attorney and I told her I was going to hang up. 

XX/XX/XXXX @ XXXX am The lady called me from a different number : XXXX ( but in the message she stated XXXX. ) This time she didn't identify herself that I my file aka case was on her desk and that I fail to make arrangements, and wanted information about where I work? etc. Plus, she mentioned that there were documents that were going to be sent and if I didn't respond that they were going to send it back to the county ( but which one ) and they were going to proceed without my knowledge and/or consent. I have a copy of that recording by the way. Note : The collector also informed me that she is a paralegal and that they debt starts all over. That they have several more years to collect on it-up to XXXX. 

Further, I called back the XXXX number and a gentlemen answered and I asked what was the address and he informed me that he was an " attorney '' and he gave me the address as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXXhe didn't give me the suite number. I asked for a " written '' sent by mail validation letter-and he hung up on me. 

Then I wrote through my email to their Business : That since the gentleman hung up on me that they do not want to settle anything ( especially that I asked for a validation notice ). Therefore I requested : Please Cease & desist all calls and contact with me immediately. I did add : That I refuse to give up my personal jurisdiction which is in Oklahoma. 

Here is there address : XXXX, XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX I also think it is odd that when I call back-they do not answer the phone. To give an impression that I ignored it. That's lie.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (OK)

I have reported the identity theft incident to the appropriate authorities, including : - Local Police Department : XXXX  XXXX Police Department, located at XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. I spoke with XXXX XXXX XXXX # XXXX Phone number XXXX As a victim of identity theft that occurred between 2008 and the present, I have experienced severe fraudulent activities perpetrated by the thief using my confidential, personal, and private information. The individual, using various names like XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and any other spelling variations derived from my family legacy name, has engaged in unauthorized activities. 

The thief has unlawfully utilized my digital signature, along with the social security number, to carry out several deceitful actions. These actions include making registrations, credit/loan applications, and manipulating certificates of live birth and birth certificates. The most alarming aspect is the creation of marketable securities such as stocks, bonds, notes, leases, or other financial instruments, without my consent. 
This incident has caused me immense distress and concern for my financial security and personal integrity. I demand immediate action to investigate and put a stop to these fraudulent activities, and I seek justice to hold the perpetrator accountable for the harm caused to my reputation and financial well-being. I will cooperate fully with law enforcement and any relevant authorities to resolve this matter swiftly and protect myself from further harm.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I am very upset with this process. On XX/XX/XXXX I filed a complaint with XXXX. I've done everything that was asked of me and still I have a problem with it. This information is not my information. It is fraudulent information I sent you all the information you needed and still you haven't taken care of it I don't know what the problem is you said that I didn't send in the right information I sent in the FTC report as well as my verified ID in my utility bill and my Social Security card. I called to verify that everything had been received and that you guys were going to remove the information because it was fraudulent and I gave all the information but yet and still you did not remove it. I had to call several times talked to several people wait online while they transferred me to different departments I just. Need you to remove this information the law says you have XXXX days to remove it. You did not remove the information that is a violation. 
15 us Code 1681c -2 fraud remove in XXXX days 15 us Code 1681e - reporting inaccuracy All I want is for this to be fixed. Please remove these items immediately. They are not mine and they are not accurate. You did not explain how the information was verified but given the fact that you're being paid by these companies, I'm sure that you're taking their side without verifying any information. The information I need to verify is whether or not this is my account or was it fraudulently opened you're not doing that you are not doing what you're supposed to do by the law. Remove these items immediately it's affecting my ability to get Credit to help me with the things I need, including getting a job and you are not following the law. 
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 2024-09-03
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. (TX)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Number : XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) is a provision under the Fair Credit Reporting Act ( FCRA ) that specifies how long certain types of adverse information can be included on a consumer 's credit report. Here 's what it says : " ( 5 ) 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 ) Duty of Furnishers of Information 1 ) Prohibition ( A ) Reporting Information with Actual Knowledge of Errors 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 2022-11-28
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

Account Number : XXXX Date Opened : XX/XX/XXXX  Account Type : Collection Status : Collection account. {$1100.00} past due as of XX/XX/. 
Status Updated : XX/XX/XXXX  demand that [ XXXX  ] correct or remove these inaccuracies promptly. 

Additionally, I would like to bring to your attention the relevant credit reporting laws governing this matter, including : 15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information to consumer reporting agencies when the information is known to be inaccurate. 

15 USC 1681i ( 5 ) : Requires consumer reporting agencies to modify or delete inaccurate or incomplete information.
Consumer complaint received 2024-07-02
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. (VA)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  Account Number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (DC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 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 XXXXXXXX has violated my rights. 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 2024-10-19
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: BARCLAYS BANK DELAWARE (IL)

We are in the middle of a huge Identity Theft, Fraud, and Financial Exploitation case. We have contacted numerous credit cards companies to resolve these issues that have been properly reported with all departments. The are either never available to discuss the fraudulent charges, or do not communicate with us directly if they have a question. XXXXXXXX XXXX XXXX XXXX actually was dealing with a blocked number, and the phone number of the individual that we have our case against and they were removing charges off of my card. XXXXXXXX XXXXy refuses to send statements, but keeps trying to put me in collection. XXXX XXXX negatively impacted our credit scores by claiming they ran a credit check and took my available credit from {$13000.00} to {$250.00} with overdrafted my account. When did the victims become the ones that aren't being helped? Our credit scores have gone from the mid to XXXX XXXX 's to low XXXX 's in a couple of months. I don't know what to do with the credit card companies. They never ran a credit check. XXXX froze our socials. You can't pull that information, so why lie or do something to cause more harm to the victim in all of this. I am at a loss. The credit card companies are killing our credit score, and none of this is our fault. Any Assistance would be greatly appreciated.
Consumer complaint received 2024-09-24
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. (PR)

TRANSUNION HAD MY SS # WRONG AND WONT CORRECT AN ISSUE I applied for a CC from XXXX XXXXXXXX XXXX about two months ago and they couldnt immediately approve it. My credit score is over XXXX so I was surprised. I kept calling to see status and kept being given vague answers. I finally figured out that TransUnion had somehow gotten my SS # wrong in their files ( off by one number ) I had to send copies of my SS card, birth certificate and DL via certified mail to TransUnion and my report was finally fixed. I made a final call to XXXX XXXX to tell them TransUnion had finally fixed the issue and my CC was approved in seconds. 

Imagine my surprise when I go to check my credit score today and my score had plummeted XXXX points ( on TransUnion ). When I reviewed the credit report I saw why. Trans Union is reporting FIVE hard inquiries from XXXX XXXX XXXX  for the exact same credit card. 

I called TransUnion to have them remove the superfluous 4 hard inquiries and they told me they could not without documentation. I told them they had all the documentation they needed in the form of my certified letter and log notes of my multiple calls to them to correct a problem THEY had created ( wrong SS # ) Trans Union told me to write a complaint to the FTC. So here we are.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

I called Navient in early XXXX  to change payment plans and they stated that it would take some time to process the change in plans. They stated they were placing the loan in forbearance while the information was in process. I received no correspondence or notifications of late payments and considered that the information was processing and the loan was in forbearance as I had been told. I later realized that the loan was reported as late multiple times. I called and discussed this with Navient. You will see from the attached that they did an end of forbearance capitalization of interest in XXXX and XXXX yet continued to charge late fees and reported late payments to the credit bureaus. I would like this information removed from my credit reports as it is not correct. This account is closed and paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NV)

FedLoan Servicing reported late payments in XXXX in a period that my loan was in forbearance. The loan was placed in forbearance on XX/XX/XXXX and was in forbearance until XX/XX/XXXX. I attempted to dispute this on XXXX but they dont show the late reported payments in the dispute section, only in the payment summary section.