davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: NATIONWIDE MORTGAGE BANKERS, INC. (IL)

On XX/XX/XXXX, I closed on a home loan with a broker from this company. 
On XX/XX/XXXX, I reached out the supervisor regarding contact information for the escrow account to start rehab on the home. I elected for a XXXX loan. 

On XX/XX/XXXX, the supervisor replied that he would " find out '' this information. 

To date, this information has not been provided or has any additional feedback been given nor has a timeline on when I might receive the information been provided.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (TX)

Let me be clear, in your response you said, " Please note that this repayment term began XX/XX/XXXX and because you did not submit either the XXXX or XXXX payments, your account is currently XXXX days past due. '' However, you did not indicate the reason I am past due is because your customer service team failed to assist me, AND your executives turned a blind eye to my email ( which has never happened with another company, that alone speaks volumes and shows why Congress should investigate you ). I will agree to the two-year payment at {$310.00} ; however, I want to start my payments from XX/XX/XXXX with no back due amount since the company failed to assist me. Also, keep in mind I do plan on engaging the news media, I read an article on XXXX regarding your company around this same issue AND I do plan on reaching out to Congress, including XXXX XXXX.
Consumer complaint received 2024-09-27
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-23
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-11-08
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. (NC)

Chapter 1 1.The Law of Privacy 15U.S.C ,1681, 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( 2 ) ( a ) In General Subject to section ( 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.

( 3 ) Law ( a ) Duty of Furnishers Of Information To Provide Accurate 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.

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : Department of EDXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-25
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. (FL)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-01-09
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. (CA)

PLEASE ADD ON TO THE FOLLOWING CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-07-02
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. (NV)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (MA)

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank XXXX XXXX XXXX XXXX loan- this was flagged by them as fraud and reported to the XXXX credit bureaus. 
Us Bank XXXX- this was flagged by them as fraud and I was told to report it the bureaus XXXX XXXX- said they did not receive the inquiry or application but it is showing on my credit report by all XXXX bureaus. 
XXXX - flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year>XXXX XXXX  - called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX ( XXXX ) - a new credit card was opened in the amount of {$35000.00}. I called chase immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NC)

XXXX XX/XX/XXXX I was approved for the Credit Protection payment by Continental Finance Company , LLC for job loss. The agreement is they would pay my payments for six months. I never received the letter but contacted XXXX then XXXX XXXX, Supervisor for Continental Finance Company , LLC called in XXXX. He sent me the information and said I should receive a continuation letter every month with a copy of an application to show I am looking for a job. I told him I never received this information however I received other communication from Continental Finance Company , LLC. I dont believe Continental Finance Company , LLC Sent me the continuation form for XXXX. I immediately completed the form and provided the proof and faxed and emailed it to Continental Finance Company , LLC. I looked at my account and it showed the payment was not applied. I called XXXX XXXX again a few days later and he said he was expediting my payment. I now received a bill that a late fee of {$30.00} was applied for an issue was not mine. Also, I have not received my XXXX continuation Continental Finance Company , LLC form and called and emailed XXXX XXXX about this matter on XX/XX/XXXX. It is fraudulent for Continental Finance Company , LLC to not send letters of continuation only for Continental Finance Company , LLC to not pay the credit protection I qualify for and then on top charge late fees. I requested my consumer protection payment to be applied as I qualify for it and to have a late fee removed as it is not my fault if my protection payment plan is in place to be charged a late fee when I didnt get a continuation form. I also want my continuation form for every month and recently XXXX sent to me and not be penalized for it.
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

This debt collection failed to validate this debt with me by not provide me a copy of the Purchase Agreement to show ownership of this debt to collect and so I can verify and see where I sign and agree to debt or had service with the company
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (MN)

Wells fargo is reporting my name incorrectly by adding a XXXX XXXX to my name when they report it to the bureau. This is happening to the credit card that was closed sometime back but not happening with my open card with wells fargo. Inspite of working with wells fargo and getting their assurance that its fixed, I still find that they are reporting my name incorrectly. 
I had previously raised a CFPB compliant and I was told to wait 30-60 days for the change to happen. I have now waited for more than that ( reported in XXXX ). At this point, it Wells fargo needs to work with XXXX  to see whats not working instead of just replying that it has been done.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date :XX/XX/XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : ( XXXX ) XXXX Dear Jefferson Capital Systems , RE : Cease and Desist of All Communications I am writing to formally request that Jefferson Capital Systems immediately cease all forms of communication with me regarding the alleged debt connected to my account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector stop contacting me regarding an alleged debt. 

Please take note that your company must also immediately stop all forms of direct or indirect communication, including phone calls, text messages, emails, and postal mail. I also request that my personal information not be shared with any third party without my written consent. 

In the event that you believe this debt to be valid, I demand full verification of the debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect the alleged debt will be deemed a violation of the FDCPA.

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing within 10 business days that you have received this letter and that all communication has ceased. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (VA)

I am not liable for this debt with RESURGENT/LVNV FUNDING.I do not have a contract with RESURGENT/LVNV FUNDINGThey did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC (FL)

Hello, This company has unfair and unethical policies. I asked them countless, even within 3 day rule to allow for the revocation to stop auto drafting my account! 

They gave me the run around and would refuse to stop auto drafting my account when I asked.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

I have been trying for several weeks to get my credit report. I even uploaded my Social Security card, drivers license and proof of residence 3 times and have yet to hear back! I even contacted Experian through the membership email and they commented back once and then now they wont respond at all
Consumer complaint received 2023-05-14
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Phone # XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months