davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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)

I have not received a response from the credit reporting agencies on any of my disputes.

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 ; XXXXXXXX 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 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately
Consumer complaint received 2024-09-18
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. (IL)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE ATTACHMENT BELOW FOR FTC REPORT
Consumer complaint received 2023-11-21
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (TX)

I have inaccurate reporting on my credit, an old loan that is reporting as new. Experian did not complete a full investigation or provide proof of the debt/original signed contract. This should not be showing on my credit. I have disputed the same debt and had it removed. The debt was sold to a new collection agency and reporting as new.
Consumer complaint received 2024-09-17
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)

I am writing to provide an update and request further action on the complaint I filed against TransUnion on XX/XX/2024 under Complaint Number XXXX. 

Despite filing disputes and providing all necessary documentation, TransUnion has failed to correct inaccurate late payments on my credit report. Their investigation, completed on XX/XX/2024, did not resolve the issue, and they have failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations Violation of 15 USC 1681s-2 ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) : The creditor has failed to accurately report the late payments. 
Violation of 15 USC 1681i ( a ) ( 1 ) & ( 6 ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) : TransUnion did not conduct a proper investigation or provide sufficient results. 
Violation of 15 USC 1681i ( a ) ( 5 ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) : TransUnion failed to correct or delete inaccurate information after being notified of its inaccuracy. 
Given the ongoing violations and TransUnions failure to comply with FCRA, I request that the CFPB take further action to ensure TransUnion corrects the inaccuracies on my credit report. I have enclosed all relevant documentation, including TransUnions latest response.
Consumer complaint received 2023-03-13
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. (FL)

This complaint regards my XXXX XXXX  account and improper investigations by furnished and all CRAs. This simple matter has been and should be escalated to XXXX XXXX Chairman, XXXX XXXX XXXX, in XXXX as efforts by SR VP XXXX XXXX  have not fixed the willful FCRA violations. I have attached 2 letters from XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX, both stating my XXXX account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. XXXX. Today, on XX/XX/XXXX, I noticed that an illegal Facially False Data change was to my XXXX attached credit report changing the previously reported closing date from XX/XX/XXXX to now the incorrect date of XX/XX/XXXX in complete disregard from internal control safeguards required to protect such a change, Moreover my attached Experian report of XX/XX/XXXX still reports my account inaccurately as OPEN despite 3 months of disputes. As XXXX XXXX XXXX told a bad actor : Stop XXXX  over consumers. Delete my account!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted by Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX Account # XXXX, U.S. Department of Education Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (AR)

Credit Karma I ask that you close the file. I ask that you stop/cease from running my credit file for any and all reasons. 
I've tried to contact via chat, but the representative continues to tell me I have to use my old phone number and email, in which I don't have that old telephone number anylonger so I can not verify online. The number being used is XXXX. 
I do not want Credit Karma running my file. The file that is presently open, I am requesting that it be cancelled, closed and cancel any and all subscriptions.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (GA)

On XX/XX/year>, I received a letter from a debt collection agency called Allied Interstate LLC regarding an alleged debt. In response, I sent a written request for a debt validation letter and a copy of the purchase agreement for the debt on XX/XX/year> I requesting proof that the debt is legitimate and that they have the legal right to collect it. However, as of today ( XX/XX/year>XXXX  ), I have not received any response or the requested documents from Allied Interstate LLC. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I believe I have the right to request validation of the debt and receive these documents in a timely manner. Allied Interstate LLC 's failure to provide the requested information violates my rights under this law, and I am filing this complaint to address the issue. 
After carefully looking at the NMLS Consumers Access website, it comes to my attention that this company is not allowed to collect in my state of GA
Consumer complaint received 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

I received an AMEX e-gift card from my former company in the amount of {$30.00} and I have been unable to use it. I receive it on XX/XX/year> and have tried it on XXXX and in 4 different stores and on the phone. No one seems to accept it.
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NY)

Acima Leasing uses pressure and trickery to target people in lower-income communities to buy into their furniture leasing agreements. Acima used deceptive business practices to lure me into a furniture contract in the amount of XXXX. Acima started to overcharge me despite my debt being paid off. I paid about {$3300.00} towards the contract however, Acima is still attempting to charge me for a balance. I am demanding a refund for the amount I over paid. I am also demanding they stop contacting me to collect a debt.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (AZ)

Me and my wife made our separate payments on XXXX the due date and they are trying to impose a late fee even though we both made the payments on the due date the 16 of every month it seems everyone is trying to get extra money these days because of the economy the late charge is over XXXX dollars and we are not in the business of just throwing away our hard earned money for nothing especially when food and gas is so expensive these days, I confirmed that they took the unessesary late fees charge off XXXX  customer service agent, XXXX operator XXXX XXXX, please be advised this my wife and I would deeply app you making sure that they did take the XXXX late off, sincerely yours XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not updated as agreed to reflect paid in Full Collection need to be completely removed off report XXXX XXXX XXXX Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Purpose : To seek clarification on why the account was supposedly closed and not sold, yet you received a debt collection notice from XXXX XXXX XXXX XXXX. 

Resurgent Capital Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/year> Resurgent Capital Services L.P . 
XXXX Department XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX Re : XXXX XXXX CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX Dear Resurgent Capital Services XXXX Department XXXX XXXX am writing in reference to your letter dated XX/XX/year>, regarding the above-referenced account. In your correspondence, you stated that after investigating my fraud claim, the decision was made to close the account and that the account would not be sold. Additionally, you mentioned that a request to delete the tradeline from the credit bureaus would be submitted. 

However, on XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX XXXX ( Reference # : XXXX ), indicating that the account has been sold to them for collection. This contradicts your statement that the account would not be sold. 

I request the following : XXXX. Clarification : An explanation as to why the account was sold to XXXX XXXX XXXX XXXX despite your letter stating otherwise. 
XXXX. Documentation : Any documentation supporting the sale or transfer of this account to XXXX XXXX XXXX XXXX. 
XXXX. Confirmation : A written confirmation that the tradeline deletion process is underway as previously stated. 

Please address this matter promptly to rectify any inaccuracies on my credit report and ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are upheld. 

I expect a response within 30 days of receipt of this letter. Failure to respond adequately will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint to CAPITAL ONE AUTO FIN for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I submitted a cell phone protection claim as the card benefit from the Chase Freedom XXXX card on chasecardbenefits.com and got a denial for the case on XX/XX/year>. I believe that the adjudicator made a mistake and did not follow the guidance correctly or misunderstood the terms. However, I can not get in touch with the adjudicator after multiple attempts. The case number is XXXX. 

According to the letter, the reason for denial is : cell phones which have been rented, borrowed, or are part of prepaid or pay as you go plans. 

I also submitted proof that I purchased the phone in full directly from XXXX XXXX. So, the phone is not rented, borrowed, or a part of a prepaid or pay as you go plan. 

Subsequently, I contacted the customs service and requested a callback from the adjudicator. The customs service suggested that I would get a call from the adjudicator within 2 days. However, I did not get any call after 2 days. I contacted the customs service again but still did not get any call after another 2 days.

The customs service also suggested that the phone can not be on a prepaid plan in order to get covered. However, this is not specified in the benefit guidance ( attached PDF and a screenshot on chase.com ). 

The pdf guidance exclusion criteria said, " XXXX XXXX XXXX  that are received as part of a pre-paid plan. '' Together with the description on chase.com " cell phones which have been rented, borrowed, or are part of prepaid or 'pay as you go " plans '', it is clear that the phone can not be subsidized by pre-paid service but has nothing to do with the service plan that the phone is using. 

Indeed, there are multiple prior cases on the internet where phone protection claims on the pre-paid plan were approved.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

on XX/XX/XXXX i attempted to withdraw {$XXXX} from an ATM using my Venmo ATM debit card in XXXX, XXXX. unfortunately instead of recieveing my funds, the ATM in error did not disburse any funds. i initiated a dispute for the transaction through the venmo app. within XXXX days of initiating the dispute venmo XXXX and suspended my account through automated means. absolutely no valid reason in doing so. venmo sent an email stating " We have reviewed your account and believe you are engaging in XXXX or more restricted activities as described in the Venmo User Agreement. Specifically, that your use of our services has resulted or may result in disputes, claims, reversals, chargebacks, fees, fines, penalties or other liability to Venmo, other users, or third parties. 

In order to help keep Venmo a safe place for users to transact we will no longer be able to provide our services. '' in this case what this means is Venmo is claiming i am breaking their policy by enacting my consumer rights and disputing a transaction. venmo is delibarately violating consumer rights and Florida XXXX. 

I tried adding my debit card and bank account to withdraw my funds, I tried sending money to my wife aswell as withdrawing from the ATM, venmo XXXX and declined all of my attempts. 
i have requested venmo provide me a valid reason for restricting my account and locking my funds, i stated to them it is illegal to make provisional credit inaccessible. i lost my Wallet containing my ID and other debit cards in the disaster storm that struck XXXX this venmo debit is all i have right now and i need my funds asap. i have been a loyal customer since XX/XX/XXXX and have done nothing wrong by venmo. i am confused as to why i am being treated so horribly. i will now take legal action if need be.
Consumer complaint received 2024-10-09
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: Bridgecrest Acceptance Corporation (NJ)

I contacted all 3 credit reporting agencies XXXX, XXXX, XXXX, and Bridgecrest ( the creditor ) multiple times int he last year, most recently the last 3 days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from Bridgecrest has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with Bridgecrest 's customer service department and charge-off department. Bridgecrest 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all three credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all 3 credit agencies several times each and they told me that Bridgecrest must be reporting it wrong and that is why it is not showing accurately as a charge off.

The account status remains " In repossession '' rather than " Charged off '' today, almost 2 years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Consumer complaint received 2024-10-09
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: Shellpoint Partners, LLC (NY)

On multiple occasions, I noticed the following : Monthly statement indicating a certain amount to be credited to the Principle, and another amount credited to the interest for the upcoming payment. The following statement, shows a lower amount credited to the principle and a higher amount credited to interest. This keeps the principle high. This has happened on multiple occasions.

Further, every payment made during a trial period was not credited, even though I was successful in making all Trial Period payments as agreed upon.

The property is going through the Foreclosure process, but I am in the process of selling it. The payoff amount, includes random charges that can not be explained by the mortgage holder.

I have attached two statements. 

Statement 5 indicates that the next payment will include {$530.00} towards Principle and {$790.00} towards interest. 

Statement 6 indicates that the payment made towards statement 5 credited {$480.00} towards the principle and {$830.00} towards Interest. 

This is fraud.