davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I never gave permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to run my credit. These inquiries are all fraudulent. I sent out letters to XXXX and Transunion multiple times. This is fraudulent. I am sick of this.
Consumer complaint received 2023-06-01
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. (NV)

I want to inform the Experian Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to REMOVE any inquiries listed in Identity Theft. Once again HERE IS THE LIST OF INAUIRIES THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (OR)

XXXX XXXX. Amount, XXXX. 

This account do not belong to me, I do not have contract with this company, Its inaccurate. It is not my debt. I am not responsible for something that do not belong to me.
Consumer complaint received 2023-06-01
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 an account without my written authorization.
Consumer complaint received 2023-07-12
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

In response to a prior complaint, Shellpoint, New Rez d/b/a Shellpoint or some combination has responded that they are servicing my loan on behalf of themselves and that they are the owner of my loan when in all other responses to prior complaints, Shellpoint has held that XXXX XXXX is the owner of my loan. I would like to submit a complaint for fraud and I would respectfully request the CFPB do what it is meant to do and protect consumers. I have been trying to establish the true owner for the last FIFTEEN YEARS so that I may negotiate with the proper party and there is obvious concealment, fraud and illegal activity going on with this and many other homeowner loans as a result of XXXX XXXX XXXXXXXX instructing us the miss payments in order to qualify of r modifications. This seems like a conspiracy and all agencies and courts seem to be aiding and abetting criminal activity.
Consumer complaint received 2023-04-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management (SC)

I received two phone calls from a collection agency called XXXX on XX/XX/ the call transcript from my voicemail is as follows : Hi good morning this message is for ____ not heal XXXX him I'm sorry I ___________________ wrong I a.m. XXXX I work with a company called XXXX am I do have a file here with your cash net USA account the client here is getting ready to move forward him and I need to speak with you immediately him before they do that I can be reached back here directly into my office eat XXXX they did not disclose they were a debt collector and any information obtained would be used for that purpose. This debt is time-barred. I am not sure why I am receiving calls on it and threats of next steps. I also received a generic call on XXXX  which states : " Uh Hello, this is XXXX with the offices of XXXX. This message is to inform you that your account has been placed in our office. Please contact us back at ( XXXX ) XXXX XXXX to try and get your account back in. Good standing. '' Again no collection disclosure.
Consumer complaint received 2023-05-17
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. (IN)

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

All named Equifax, XXXX XXXX and XXXX are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
XXXX. Reporting information that is not metro 2 compliant 2. Information that is fraudulent XXXX. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account XXXX XXXX XXXX.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All named XXXX, Trans Union and XXXX are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
XXXX. Reporting information that is not metro 2 compliant 2. Information that is fraudulent XXXX. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (CT)

I began an inquiry on an equity loan with rocket mortgage. They gave me information on refinance But i declined because i did not want to refunance. I never applied a loan with them. 
I received a letter that my loan was denied. I never applied a loan.
Consumer complaint received 2023-05-17
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: Amsher Collection Services, Inc. (VA)

Date Reported XX/XX/23 Collection/ Chargeoff original Creditor- XXXX Responsibility shows as Individual which is incorrect. This was a business transaction that was not transacted using my SS # and not personally guaranteed. I also communicated with XXXX it was causing me a business hardship due to missed calls and dropped calls prior to switching to another provider, and was advised they could not provide me uninterrupted service and This Debt is now being reported by Amsher Collection Services as a Charge off on my personal report. It is also showing age of account with this company as 9 months which is incorrect. 

Company Contact info- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX ( XXXX ) XXXX or XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (NJ)

The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX XXXX as a Repo when Account does not exist
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I receive direct deposit every Friday from workers compensation and I overdraft my account before my direct deposit was deposited into my account they allowed other online payments thats was not authorized to overdraft my card money and charged me extra overdraft fee when the overdraft was less than {$5.00} in the agree that I signed for overdraft it stated that anything {$5.00} or under will not be charged an overdraft fee I was still charged I asked the representative from citizen bank about the agreement they never resolved nor returned my fee money back to my account this is happening everytime then when I personally try to overdraft my account its denies my transactions but allows other fraudulent transactions to overdraft my card I have reported my cards multiple time because I am a victim of fraud they have denied numerous fraudulent claims without a valid information Im sick of them
Consumer complaint received 2024-11-19
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. (GA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I have identified the following items as unauthorized and fraudulent : Fraudulent Accounts XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$880.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$8200.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$10000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1600.00} ) XXXX. XXXX  ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$310.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$5600.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1000.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$850.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) Fraudulent Inquiries XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )
Consumer complaint received 2024-11-19
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. (SC)

I constantly check my credit report and notice that the errors and false misleading information for individual accounts are didn't quite meet the credit reporting standards of being 100 % accurate. this has damaged me and held me back from some time now. My life has been affected a lot from this false information. I am demanding CFPB to enforce the correction and deletion of these items.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (DE)

I made a purchase through XXXX on XX/XX/2023, Order Number : XXXX. I paid for this purchase with my XXXX gift card, and it was also processed by XXXX as an Affirm loan which I did not authorize. Affirm has reported this purchase to the credit bureaus as a delinquent account as of XX/XX/2023 for the amount of {$33.00}. I do not owe Affirm for this purchase. XXXX does because Affirm paid XXXX for this purchase and so did I. XXXX was paid twice for this purchase and that is fraud. I contacted XXXX and Affirm and tried to dispute this transaction with no resolution. Please see the attached confirmation email from XXXX.
Consumer complaint received 2024-10-25
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: BARCLAYS BANK DELAWARE (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc. (TX)

Zillow Home Loans during their application process pre-approved me for {$450000.00} with a soft pull and I was hoping to get a letter of pre-approval from them as per their site. 

They then asked details and I furnished it. 

a ) They did not issue me pre-approval letter as per the site approval amount and this needs to be issued to me. 
b ) They did a hard pull on my credit file without my consent on XXXX XX/XX/2023 and this needs to be removed.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act - XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Consumer complaint received 2024-09-13
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2023-06-01
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I received a credit inquiry report from XXXX XXXX. I checked it and it was not something I was aware of and not authorized anyone to do. I called Experian to remove the inquiry, and called XXXX XXXX to alert them that fraud was committed.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I opened an American Express Delta Platinum card earlier this year and they have not sent the XXXX  mile sign up bonus, nor any miles from my purchases to my Delta SkyMiles account. I have spoken with both Delta and AmEx multiple times over the past month to confirm that they have my correct SkyMiles account. The last conversation I had with AmEx yesterday, they saw that none of my miles had been sent and werent able to tell me why. They opened a case but said it would be over a month until I heard back. There are flights I have been waiting to purchase that have gone up by multiple hundreds of dollars/multiple thousands of points while waiting for my points to come through so this has cost me significantly from a financial standpoint.