davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

In short, 15 USC 1681s-2 is designed to ensure the accuracy and integrity of the credit reporting system by holding furnishers accountable for the information they provide to CRAs. I demand to see verified proof the original contract with my signature on it. Or certification from the creditor that certified the accuracy and completeness of the information account. Your failure to positively verify these accounts have hurt my ability to obtain Charge-Off : is gross income. Income can not go on your credit report according to IRS publishing. IRS clearly states this of charge offs not being not being debt but gross income. So reporting this account as a debt is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) is a provision of the Fair Credit Reporting Act ( FCRA ) that specifically addresses the responsibilities of entities that furnish information to consumer reporting agencies ( CRAs ), such as credit bureaus. 

XXXX XXXX XXXX XXXXText of the Statute : XXXX XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX 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 never opened that account. I never sign anything. I demand that you send me signature page. There is another person listed. Apparently there is another account holder : XXXX XXXX XXXXXXXX. Its probably her account not my account at all. I have no Knowledge of this account. I demand to see the signature page that required by law. If you cant present that signature page of the actual person who signed for the card ( XXXX XXXX XXXX  ). I demand that you move this account of my credit report immediately. My next step is a lawsuit.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GLOBAL PAYMENTS DIRECT INC. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX NAME : XXXX XXXX XXXX XXXX XXXX security freeze
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (KY)

Hello, My name is XXXX XXXX XXXX. I am writing to opt out of the processing and marketing of my data. It is my right under data protection law to request my data not be shared or distributed by CoreLogic XXXX ; further, I do not want my information shared or dispersed by XXXX XXXX XXXX. I understand this is not a permanent opt out request, and the suppression will be reversed given enough time. Please opt me out of all communications from CoreLogic XXXX, XXXX XXXX XXXX, and all other affiliates and partners. I do not wish to receive physical mail, emails, direct marketing, or telemarketing. Nor do I wish to receive prescreened, or firm offers from affiliates and partners. Please start this process immediately and notify me of its completion. Consumer Information : Full Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX KY XXXX Phone Numbers : XXXX Social Security Number : XXXX Date of Birth : XXXX Please let me know if you need any other information or help to fulfill my request. Thank you, XXXX XXXX XXXX View full complaint
Consumer complaint received 2024-08-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Best Buy credit card was abruptly closed without warning. Company advised me I was notified like last year. I NEVER RECEIVED ANY NOTIFICATION AT ALL... 

They advised me closed due to inactivity XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

On XX/XX/XXXX I received a denial letter for my student loan misconduct form. I was very disheartened to see the denial as I have a pending Borrowers Defense to Repayment Application submitted to the Department of Education for my federal student loans and am a post class member of the XXXX XXXX XXXX lawsuit. Not only did I submit my application to Navient with added proof of the fraudulent for profit school I was recruited to but I also explained over and over again how this loan as well as attending a fraud for profit scam school detrimentally impacted my life as well as my children 's lives. I called and spoke with a Navient employee to further Inquire why exactly my application was denied and was met with the response " I don't know. '' I asked this gentleman how can you not know why my application for discharge was not accepted? I was again met with I don't know? You must not have met the criteria. I then asked, what that criteria consisted of considering I submitted additional evidence with my application that indicated the fraud committed by XXXX XXXX XXXX as well as my XXXX application number and also told this gentleman how is this possible as this school is also represented on a list of 100 schools known to be a for profit scam school. He said the best he could do was tell me to reapply again. This entire experience has been traumatic enough for the past 15 years. Apply again to be denied again with no rhyme or reason? No specific details on why I was denied? Have to answer all the same questions again? I asked for a discharge for the remaining loan amount and refund for all interest, late fees, and payments made.
Consumer complaint received 2024-08-04
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. (NY)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX  in XX/XX/XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX  in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-31
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I got a reverse mortgage in approximately XX/XX/2006. I can't state that I was informed about the taxes I am not sure. Champion Mortgage now has the loan and I would pay the taxes then I would make payments to repay the amount. They are charging me for homeowners when I have been paying homeowners since I bought the home. I have informed Champion and I am sure that a lot of what they are trying to foreclose on is the insurance. No one there took any interest in what I had to say. I am XXXX and need help. 

Thank you.
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Idaho Housing And Finance Association (NM)

I call about doing getting forbearance on my home loan because i was not receiving a paycheck during the summer. Then an agent stated I could set up a payment extension. The last amount could be spread out over a 6 month and I would not be charged late fee or effect my credit.. The agent stated for me to call back in XXXX to get set-up. When called back in XXXX they stated I could not do it. I was lied to and they could honor was stated to me.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

I am a victim of identity theft and fraud in credit card schemes ( unauthorized opening of credit cards ). I wrote the CFPB previously in XXXX and XXXX regarding my identity being stolen and credit cards opened in my name. I had also informed the original companies of the credit card issuers before they sold the account. The following debt collector companies ( who I do not know and have never had any financial agreements ) have also placed on my credit report that I opened recent accounts with them, as early as XXXX. This is not true. They have knowingly placed false information on report. I disputed these companies in XXXX and XXXX and they continue to illegally and unethically place new " open '' accounts on my credit report. I have asked XXXX, XXXX, and XXXX, in XXXX, XXXX, and in XXXX ( by electronic dispute and over the phone dispute ) to remove the accounts from my credit report and had informed them of my identity theft. I also told them that I had no knowledge of the companies. And no affiliations of the companies. I asked that they note this on my credit report. I had also previously signed up with all 3 credit reporting agencies in blocking future credit inquiries, however, the companies have now unblocked my accounts and have allowed unauthorized credit inquiries and statements on my report. I am requesting that XXXX, XXXX, and XXXX remove the following companies from my credit report due to identity theft and unethical practices of placing false information on my report. Please remove : LVNV Funding, LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I contacted Barclay card regarding a money order that I sent for payment. 

After several calls they stated I needed a copy of the cashed money order. 

This was provided to them. Originally they posted the credit and then they removed it. 

Later I received a letter that it was not enough objective evidence. Mind you it is a copy of the money order with the XXXX digit account number and has my mailing address. 

Not only that it also has the routing numbers of the cashed cashiers check and my name where they sent the copy to. 

So they closed the case and I had to call them to open a new case again. 

As of today the money order has been cashed by Barclay and no credit has posted. 

Worst of all you can not contact the investigation department correctly and the people that work for the. Have to do it through email.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (TX)

When I finally received a call from TD Card Services regarding another complaint, the person obviously didn't understand what I was trying to explain to verify my identity. 

I have forgotten which out of three addresses I used on my account. I provided two correct addresses that HAVE been used on the account in the past, and by the time I started getting to the third, I mentioned a city and she outright failed me saying I couldn't be verified that I didn't know my address. I was furious because she didn't listen that I KNOW I FORGOT which address I used. When you are moving a ton, sometimes you make mistakes!! XXXX " XXXX '' " XXXX '' as she called herself, said she could ask more questions, I am more than willing to provide ANY Details, and then she just sat there, not asking anything. I asked what information does she need and she was rude and said I couldn't be verified today and would have to call in tomorrow. I've been trying to get into my account for over a week, and obviously, TD doesn't want to help. 

I try calling back in only to be on hold for hours with no answer as per my other complaint. I did get angry and used some bad language out of frustration ; I keep having to deal with incompetent staff when talking to credit companies. It was apparent she didn't know how to proceed and just dismissed me to say call in tomorrow. Even if I'm angry and being beligerent that isn't " Customer Service. '' NOTE : I asked for her full name only for the purposes of my complaint, not to have personal data. She provided me with her first name and company identification number which is completely acceptable.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted a XXXX dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but XXXX will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

On XX/XX/year> I tried to withdraw bitcoin from my cash app account registered under the email XXXX. The withdraw did not go through and I was subsequently notified that my account was XXXX until I verified my identity. 

I provided everything they asked for. I linked my bank account through Plaid, I shared my phone contacts with their app, and lastly I scanned the front and back of my debit card after they prompted me to do so. 

After scanning my debit card cash app notified me that I apparently violated terms of service and my account was being banned. Now I still have over {$900.00} worth of bitcoin stuck in my account and I am unable to withdraw it because their verification system is broken. 

I went in their live chat on numerous occasions and asked how do I get my money out of my account and they just tell me they can't help. I clearly explained to them the verification is not working and stuck in a loop. I click the button to scan debit card and it just refreshes over and over. Despite numerous attempts to explain my problem they just give me the same response every time saying they can't help. 

Cash app has now stolen {$900.00} from me even after I did everything they asked for. I'm hoping this complaint will make them do the right thing and give me my money back. If this fails I will be forced to take legal action against cash app for stealing {$900.00} from me.
Consumer complaint received 2024-06-12
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. (PA)

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 2024-08-07
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: U.S. BANCORP (CA)

Back in XXXX, we hired a moving company, XXXXXXXX XXXX XXXX  XXXX XXXX. 
XXXX by phone and text, we notified XXXX that the movers damaged a dining table and put a hole in a wall on a hallway! 
XXXX. XXXX asked for some estimates to repair the damage! Took pics of the damage and sent to him and repair facilities! Sent estimates to his phone! He said that the repairs were too high and that he had people who could do the repairs! Didn't hear back from him for over a week! Contacted him, he said they were really busy and his people weren't available to do repairs! 
XXXX. 2 more weeks go by and still no contact by XXXX! We agree to reimburse our moving fee and we would take care of the repairs! He said he would put a check in the mail. Another week goes by, he ( XXXX ) is not answering his phone! Prior to this I have put all of our conversations in text, and have responses from XXXX on my phone! 
XXXX. Long story short, after 6 attempts working with the Credit Card Depart. I went to a local branch and gave them all my info ( previously sent by mail ) to the Branch Manager. He verified the texts messages to/from XXXX saying that he agreed to the refund amount and his explantations of how he would send/deliver monies back to me! 
XXXX. Meanwhile the Bank ( US ) keeps sending more requests for more of the same info that they had already received! I contacted them by phone 2 more times and spoke with representatives that said they had everything! Only to find out that they cancelled by request because of missing information!